Stillwater Battlecard

Still Water

Phone Number(s):

Email(s):

Customer Service Hours of Operation:

Current Lines of Business/States:

IMPORTANT: No monoline auto allowed with Stillwater. Must be bundled with home.

Home: AZ, AR, CO, CT, DC, FL, GA, HI, ID, IL, IN, KS, LA, MA, MN, MO, MT, NE, NV, NM, NC, OH, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY
Auto: AZ, AR, CO, CT, DC, ID, IL, MN, OH, OR, PA, RI, TN, TX, UT, WA, WI, WY
Umbrella: AZ, AR, CA, CO, CT, FL, GA, HI, ID, IL, IN, KS, LA, MA, MI, MN, MO, MT, NC, NE, NV, NM, OH, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY
Condo: AZ, AR, CO, CT, FL, ID, IL, IA, KY, LA, MA, MN, MT, NM, OH, OR, PA, RI, SD, TN, TX, UT, VT, WA, WV, WI, WY
Dwelling Fire: AZ, AR, CT, FL, ID, IL, IA, KY, LA, MA, MN, MT, NM, OH, OR, PA, RI, SD, TN, TX, UT, VT, WA, WV, WI, WY
Renters: AZ, AR, CO, CT, FL, ID, IL, IA, KY, LA, MA, MN, MT, NV, NM, OH, OR, PA, RI, SD, TN, TX, UT, VT, WA, WV, WI, MY

Carrier Access:

Quote Bots:

Application Type:

Carrier Market:

Primary Home HO3/HO5
Secondary Seasonal Homes HO3/HO5
Duplex HO3/HO5
Row Homes/ Town Homes HO3/HO5
Owner or Tenant Occupied Condo HO6
Secondary Seasonal Condo
Allows pools; must be fenced in. No diving boards allowed but slides are acceptable.
Animal liability buyback endorsement available in all states except AZ, CT, MD, MA, MI, NH, NJ, NY, NC, PA, VT and VA.
Allows trampolines, must be above ground, netted and tied-down or an inground trampoline or yard fenced entirely.
Roof age under 10 years
Allows protection class 10 homes
Allows wood-burning stoves that are professionally installed and not the primary heat source

Prefers drivers with good driving record that have a US state-issued license (not foreign and international driver license)
Will allow a lapse of 15 days prior
Will allow excluded drivers

Important Guidelines:

Vacant dwelling
Home is over 50 years old
- Nevada – Homes constructed prior to 1992 are ineligible
All Condos constructed prior to 1900 are not eligible in all states
Commercial storage containers on the premises are not eligible.
Dwellings and other structures using unusual or irreplaceable construction are not eligible. This would include, but is not limited to the following:
- A Frame Construction
- Cantilever Construction – Cantilever construction utilizes a beam that is anchored at only one end. The beam carries the load and allows for overhanging structures without external bracing.
- Log Homes
- Mobile Homes
- Manufactured Homes
- Metal Homes (includes all Barndominium Designs)
- Modular Homes
- Post, Stilts or Pilings: utilizes posts, stilts or pilings (except where the result is required or authorized by current building codes to be elevated on posts/piers/pilings and there is no slope/stilts)
- Utilizes asbestos siding or roofing materials
- Homes built fully or with the majority of the structure built underground.

Households with motorcycle(s) (AZ only)
Drivers without a garaging address or with a non-residential garaging address;
Vehicles with a principal out-of-state garaging location
Policies with vehicles garaged at two different addresses and drivers in two different households.
Vehicles used in business
Rebuilt or structurally altered vehicles
Previously totaled, salvaged or with lemon title vehicles
High performance vehicles
Model years prior to 1959
All vehicles with an MSRP over $125,000 are unacceptable.
Drivers without a current, valid US driver’s license (Stillwater does not accept foreign & international driver’s licenses)
Foreign nationals not having a verifiable U.S. driver’s license for 3 years are not eligible.
Drivers without a valid motor vehicle report or with an unverifiable driving record; except when newly licensed
Drivers who are not permanent residents of the state seven months out of year;
Drivers with permanently suspended or revoked licenses;

Additional Resources: