Insurer quality profile · NAIC 25180
STILLWATER INSURANCE COMPANY
Group: WT Holdings Grp
Is STILLWATER INSURANCE COMPANY reputable?
Based on Texas DOI complaint data for 2025, STILLWATER INSURANCE COMPANY shows 0.39 confirmed complaints per 1,000 Texas policies in force — a very low complaint rate in this data. This is a Texas-only complaint rate, not a national verdict.
California market: $284,160,425 in direct premiums written , 132.9% direct loss ratio (DERIVED).
This page informs — it does not rank or recommend. Verify the license at your state Department of Insurance before purchasing.
What the complaint rate means
The complaints-per-1,000-policies figure shows how many confirmed complaints STILLWATER INSURANCE COMPANY received for every 1,000 Texas policies in force in 2025. It is computed by dividing the confirmed complaint count by the policies-in-force count and multiplying by 1,000. Only carriers with at least 1,000 policies in force are shown this figure, to exclude small-book noise.
STILLWATER INSURANCE COMPANY's rate is 0.391 per 1,000 policies (across Automobile, Homeowners) — a very low complaint rate in this data.
This is not a verdict. A higher rate can reflect product mix, policyholder demographics, or the lines the carrier writes — not only claims handling quality. It reflects TX-filed complaints only. Use it as one data point alongside your state DOI and the NAIC Consumer Insurance Search.
Lines covered in this complaint data: Automobile, Homeowners.
What the California loss ratio means
The California direct loss ratio (132.9%) is direct losses incurred divided by direct premiums earned — a measure of what fraction of premium revenue the carrier paid out in claims in California. Atlas Commons computes this from CA DOI Market Share Report figures; the CA DOI publishes the component figures, not this ratio.
A ratio below 100% means the carrier paid less in claims than it collected in premium. Above 100% means it paid more. Neither is "good" or "bad" without knowing the product mix, year, and market conditions — use it as one data point alongside other sources.
Treasury C570 Surety Certification
STILLWATER INSURANCE COMPANY is NOT listed on the U.S. Treasury Circular 570 as a certified surety company. Surety certification applies only to federal bonds — it says nothing about this carrier's quality for health, auto, homeowners, or other lines. Verify at fiscal.treasury.gov.
Lines written in California
ALLIED LINES, BURGLARY & THEFT, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FIRE, HOMEOWNERS MULTIPLE PERIL, INLAND MARINE, OTHER LIABILITY OCCURRENCE, PRIVATE FLOOD, PRIVATE PASSENGER AUTO LIABILITY, PRIVATE PASSENGER AUTO PHYSICAL DAMAGE, TOTALS
Frequently asked questions
How many complaints does STILLWATER INSURANCE COMPANY have?
In 2025, the Texas DOI complaint data records 3 confirmed complaints for STILLWATER INSURANCE COMPANY (NAIC 25180) across Automobile, Homeowners. Based on 7,676 Texas policies in force, the complaint rate is 0.391 confirmed complaints per 1,000 policies. This reflects Texas-filed complaints only and is not a national figure.
What does a complaint rate of 0.39 per 1,000 policies mean for STILLWATER INSURANCE COMPANY?
A rate of 0.391 means that in 2025, STILLWATER INSURANCE COMPANY received 0.391 confirmed complaints for every 1,000 Texas policies in force. Lower is generally better, but this figure reflects Texas-filed complaints only. Product mix, the types of policies sold, and how customers file complaints all affect this number. It is a data point — not a verdict or a ranking.
Is STILLWATER INSURANCE COMPANY Treasury C570 certified for surety bonds?
No. STILLWATER INSURANCE COMPANY (NAIC 25180) is NOT listed on the U.S. Treasury Circular 570. Surety certification applies only to federal contract bonds — most personal-lines carriers are not on this list.
How do I verify STILLWATER INSURANCE COMPANY's license or file a complaint?
To verify a carrier's license, contact your state Department of Insurance — each state has its own licensing database. For complaints, file with your state DOI (not with Coverage Atlas). You can also look up STILLWATER INSURANCE COMPANY (NAIC 25180) directly at the NAIC Consumer Insurance Search (https://eapps.naic.org/cis/).
How much insurance does STILLWATER INSURANCE COMPANY write in California?
Per the California DOI Market Share Report, STILLWATER INSURANCE COMPANY (NAIC 25180) wrote $284,160,425 in California direct premiums across ALLIED LINES, BURGLARY & THEFT, COMMERCIAL MULTIPLE PERIL (LIABILITY), COMMERCIAL MULTIPLE PERIL (NON-LIABILITY), EARTHQUAKE, FIRE, HOMEOWNERS MULTIPLE PERIL, INLAND MARINE, OTHER LIABILITY OCCURRENCE, PRIVATE FLOOD, PRIVATE PASSENGER AUTO LIABILITY, PRIVATE PASSENGER AUTO PHYSICAL DAMAGE, TOTALS. The California direct loss ratio — direct losses incurred divided by direct premiums earned, computed by Atlas Commons from CA DOI figures — is 132.9%.
What to do next
- Verify the license: before purchasing from any carrier, confirm it is licensed in your state at your state Department of Insurance website.
- File a complaint: if you have an unresolved issue with this carrier, file a complaint with your state DOI — not with Coverage Atlas. State DOIs are the legal authority.
- Look up complaint data yourself: the NAIC Consumer Insurance Search lets you look up any licensed carrier by NAIC code (25180).
- Texas policyholders: complaint data sourced from the Texas Department of Insurance.
RECORDED — complaint counts, policies in force, surety certification, and CA direct premium written are reported figures from named authorities (Texas DOI / NAIC, Treasury C570, CA DOI). DERIVED — the complaints-per-1,000-policies rate and CA loss ratio are Atlas Commons computations over those reported figures — not published by the source authority.
This profile informs and compares — it does not rank, certify, or advise. To verify a carrier's license or file a complaint, contact your state Department of Insurance. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Sources: Texas DOI complaints · CA DOI market share · Treasury C570 · NAIC CIS