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
Verified official website and official Stillwater home underwriting PDF remain available. Current published home guidance indicates personal lines property quoting/support for HO3, HO4, HO5, and HO6 in the underwriting manual, with official quoting/API materials also referencing H3/Home, H4/Renters, H6/Condo, and Dwelling Fire owner/tenant scenarios. Operationally, the manual page surfaced is an underwriting quick-check/processing guide rather than a full public appetite bulletin. It shows multiple items that must be referred to underwriting instead of handled routinely, including customize replacement cost reduction changes, increases for other structures, high-value dwelling changes, scheduled personal property requests, adding/removing additional insureds, removing a named insured due to death or exception request, removing an additional named insured, all trusts except the named insured's own family trust, address corrections other than house number, reinstatement after cancel date, wind mitigation credits, occupancy changes on HO6, HO4 Coverage C increases over 150k, and HO3/HO5 Coverage A increases over 30%. Producer/broker notes published in the official quoting environment state that quote-note fields are not sent to underwriting or processing and must not be used for policy change requests or coverage questions. For mailed quote proposals, Stillwater indicates proposals are mailed to clients within two business days and cancellations of mail requests must be handled by phone or email. Submission/underwriting contact information published in the manual includes underwriting@stillwater.com and fax (866) 290-2667. Geographic appetite, preferred construction/protection details, and a comprehensive declined-risk list were not clearly verified from a current public official appetite guide beyond the above referral triggers, so no broader state or class restrictions should be inferred without producer access or direct carrier confirmation.