Stillwater Insurance Services
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Preferred business (Homeowners HO3/HO5, Renters HO4, Condo HO6) - Well‑constructed, code‑compliant dwellings in good repair, showing pride of ownership and ongoing maintenance (sound roof, no visible deterioration, no faulty wiring or heating issues). - Properties in stable residential neighborhoods, not in areas transitioning to commercial or multi‑family; limited nearby vacant/condemned properties. - Standard construction types with adequate updates to roof, electrical, plumbing, and heating as applicable. - Risks that fit within company exposure management limits for the territory; underwriters consider construction, maintenance, and location as primary criteria. Restricted or declined risks (high‑level) - Dwellings with poor maintenance conditions or obvious hazards that increase loss exposure (e.g., deteriorated roofs or chimneys, frayed wiring, improper venting, obvious safety defects). - Properties in areas with significant neighborhood blight (multiple nearby vacant/abandoned structures) or where the area appears to be transitioning away from standard residential use. - Individual state filings may add specific eligibility restrictions (e.g., certain protection classes, distance to fire protection, prior loss history, or coastal/cat exposure limits). These are applied case‑by‑case in accordance with state‑specific homeowners underwriting rules and the company’s exposure management plan. Coverage and endorsement notes (existing policies) - Coverage A (Dwelling) – For existing HO3/HO5/HO4/HO6 policies, agents or customer service may increase Coverage A up to 30% above the current Coverage A limit without underwriting approval. Requests to increase Coverage A above 30% require prior written approval from Stillwater underwriting. - Coverage C (Personal Property) – Agents may increase Coverage C up to $150,000 on their own authority. Requests for Coverage C between $150,000 and $300,000 require underwriting approval and must be submitted with explanation. - Any requested change above these thresholds or outside standard rules must be emailed to underwriting@stillwater.com with the quote or policy number and a clear explanation of the reason for the change. Geographic/territorial notes - Stillwater writes homeowners business on a state‑by‑state basis subject to filed underwriting rules and an internal exposure management plan. Availability, acceptable construction, and maximum limits can vary by state, cat exposure (wind/hail, hurricane, wildfire, quake), and protection class. - Policy acceptance is explicitly subject to the Company Exposure Management Plan. Even otherwise‑eligible risks may be declined or restricted where aggregate exposure thresholds have been reached in a given area. Submission expectations & workflow - All homeowners applications must be submitted electronically via Stillwater’s web portal/online quoting platform. Producers do not have authority to bypass system eligibility screens. - During the quote process, system responses to Home Quote Detail questions will indicate underwriting eligibility conflicts. If a conflict appears, the producer is NOT authorized to bind or submit the risk as standard business. - For any exception or borderline risk, producers must seek prior approval from underwriting. Requests should be sent to underwriting@stillwater.com with supporting details. Placement remains subject to exposure management and underwriting discretion. - Notes entered in the online quote portal are not routed to underwriting or processing; they must not be used to request policy changes or coverage decisions. All such requests require direct contact with underwriting or customer service per portal instructions. Broker/producer instructions - Follow the online application in full; do not attempt to override or ignore underwriting conflicts flagged by the system. - Do not represent, quote, or bind coverage outside your delegated authority or contrary to the filed underwriting rules for the specific state and form. - Use the designated underwriting email (and other carrier‑specified contacts) for any exceptions, large limit requests, or unusual risk characteristics, and always attach the quote or policy number and a concise justification. - Be aware that underwriting guidelines and appetite may vary by state and policy form; consult the state‑specific homeowners underwriting guide or filings when evaluating unusual occupancies, older homes, or cat‑exposed properties.