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 published producer-facing home guidance is still the Stillwater Home product/underwriting PDF. Operationally, Stillwater writes HO3, HO4, HO5, and HO6 and requires all applications to be submitted through its website. The quote flow uses Home Quote Detail Questions to surface underwriting eligibility conflicts, and producers are explicitly not authorized to bind or submit properties that conflict with underwriting guidelines without prior company approval. Exceptions or acceptability questions are directed to underwriting@stillwater.com and remain subject to the company Exposure Management Plan. Published home guideline topics indicate underwriting review is centered on exposures/location and premises characteristics including animals/animal liability, attractive nuisances, brush/forest area, fire protection, home business, home day care, pools, trampolines, unsecured personal property, vehicles, prior insurance, claim/loss history, CLUE, financial status/NCF, insurable interest, age of home, construction type, course of construction/remodeling, foundation requirements, home value/replacement cost, maintenance/pride of ownership, occupancy, ownership issues, roof cover types, solar panels, solid-fuel-burning appliances, utility requirements, and vacant properties. This strongly suggests preferred business is standard, well-maintained owner-occupied personal lines homes/condos/renters risks that clear the quote-question screens, with restricted or potentially declined risks including vacancy, ineligible construction types, unresolved maintenance hazards, adverse occupancy/ownership issues, renovation/course-of-construction exposures, protection concerns, brush/forest exposure, and liability hazards such as pools, trampolines, certain animals, or home business/day-care exposures unless acceptable to underwriting. Geographic notes: Stillwater states guidelines vary by state and form; for inspections, Colorado, Maryland, New York, and Pennsylvania have the first property inspection ordered upon policy submission, while in other states new-business inspection is not ordered until the down payment is received. Recently constructed homes built within the last 2 years are not inspected at new business, but high-value homes at $750,000 or higher are inspected regardless of age. Renewal inspections are published for Nevada, New Mexico, and Texas on the first day of the renewal term. Submission/servicing notes: exterior property inspection is a condition of the policy; failure to allow inspection can lead to cancellation; inspectors do not need interior access or appointments. Producer/broker notes: underwriting requests and special approvals go to underwriting@stillwater.com; the PDF also lists home underwriting fax (866) 290-2667. Existing-policy servicing guidance shows agent authority is limited: on HO3/HO5 and HO4/HO6, Coverage A increases up to 30% of current value can be handled by agents/customer service, while larger increases require underwriting approval; Coverage C has capped self-service thresholds and written justification may be required for HO4/HO6 increases. Replacement-cost support tools referenced in published materials include MSB and 360Value interfaces, and Stillwater may request additional information if values appear inconsistent.