Stillwater Home Insurance in California
You get a Stillwater home insurance quote in California through an appointed independent agent. That agent is Insurance City. Stillwater is a carrier we are appointed with, and we are not the insurance company. We can check whether you qualify for one admitted policy. A California Department of Insurance examination of Stillwater Insurance Company, as of December 31, 2022, says that, as of December 31, 2022, the company wrote homeowners and dwelling fire and placed more than 90 percent of traditional personal-lines business through independent agents. The same report describes a moratorium on new California homeowners business until pending rate filings were approved. Consumer Watchdog and PR Newswire reported on September 23, 2025 that a later homeowners rate settlement was 12.4 percent, effective November 27, 2025. The FAIR Plan remains the lawful last-resort market.
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Insurance City Agency, LLC, CA License #6003045, has its Stockton office at 956 W Robinhood Dr, Stockton, CA 95207, and its San Jose office at 25 N 14th St Ste 125, San Jose, CA 95112. No broker fees on standard policies (Stockton & San Jose offices). Our licensed team brings more than 70 years combined insurance experience.
Who quotes Stillwater home insurance in California?
Insurance City does. You do not buy this through a Stillwater storefront. The California examination report says Stillwater Insurance Company distributes greater than 90 percent of its traditional personal-lines business through more than 3,500 independent agencies and brokers (Report of Examination as of December 31, 2022, filed June 11, 2024). Insurance City is one appointed independent agent. Stillwater is a carrier we are appointed with. We quote it. The carrier underwrites it.
What homeowners rate change did California settle for Stillwater?
12.4 percent, effective November 27, 2025, on Stillwater’s homeowners lines. Stillwater had asked for 27.5 percent. Consumer Watchdog and the company settled that figure with the California Department of Insurance. Consumer Watchdog published the outcome on September 23, 2025, and PR Newswire carried the same release the same day. Consumer Watchdog quantified the difference between the request and the settlement at $13 million across more than 73,000 policyholders. That figure is their account of the rate challenge. It is not a premium for your house.
| Item | Public record | Source |
|---|---|---|
| Line | Homeowners lines of insurance | Consumer Watchdog and PR Newswire, September 23, 2025 |
| Requested change | 27.5 percent | Same |
| Settled change | 12.4 percent | Same |
| Effective date | November 27, 2025 | Same |
Which Stillwater property lines do public filings describe?
Homeowners, renters, and dwelling fire, among other personal lines. The examination report says that as of December 31, 2022, Stillwater Insurance Company and its subsidiary Stillwater Property and Casualty Insurance Company were principally engaged in writing personal lines, including homeowners and renters insurance, dwelling fire, private passenger automobile, personal umbrella, small commercial multi-peril, and business owner policies. That is a description of lines, not a promise that a given address is open.
The same report says the company implemented a moratorium on writing new homeowners business in California until pending rate filings were approved. The September 23, 2025 settlement is a later homeowners rate decision. The examination report does not say the moratorium ended, and we did not find a later Department document that says it did. In September 2026, Stillwater’s agent quoting system accepted new California homeowners quote requests through our appointment. Each address is underwritten, and some are declined, for example for distance to brush. A quote is how we check whether you qualify for one admitted policy.
Do public filings name an HO-3, an HO-5, a DP-3, or a condo form for Stillwater?
No. The examination report and the 2025 homeowners rate settlement do not name HO-3, HO-5, DP-3, or a condo form. We do not add those form names as Stillwater appetite.
People still ask what the labels mean, so here they are as form names, not as a Stillwater menu. An HO-3 is the usual owner-occupied homeowners form: open perils on the dwelling, named perils on belongings, subject to the exclusions on the form. An HO-5 is a broader homeowners form when a carrier files one. A DP-3 is the usual dwelling form for a rented house, with loss of rents and premises liability that a homeowner form is not built to carry. A condo unit-owner policy is often an HO-6, covering the interior the association master policy does not. Whether any of those forms is available on a Stillwater quote is an underwriting result, not a statement this page can make from the filings we reviewed. For a rental, start with our California landlord insurance guide. For how a condo policy differs from a house policy in general, see condo insurance and home insurance.
Does the Department of Insurance list Stillwater for a DIC policy next to the FAIR Plan?
Not on the list we checked. The Department publishes a list of insurers that sell a difference-in-conditions policy meant to complement a FAIR Plan policy. We checked that list on October 2, 2026. Stillwater Insurance Company is not named. We do not describe a DIC appetite the list does not show.
The Department’s residential insurance page describes the FAIR Plan as the insurer of last resort, to be considered after a diligent search of the traditional market. It says a FAIR Plan policy covers losses caused by fire or lightning, internal explosion, and smoke, and that extended coverage and vandalism may be added. It also says theft and liability are not part of that basic policy, which is why some households buy a separate DIC policy. The FAIR Plan is a lawful market. It is not a penalty. If you want to see whether one admitted policy is available instead, we can check whether you qualify. A wider map of that question is on California FAIR Plan alternatives. Landlord specifics are on moving a rental from the FAIR Plan toward one admitted DP-3.
How does one admitted policy sit next to a FAIR Plan policy?
They are different contracts. An admitted homeowners or dwelling policy is one policy issued by an insurer licensed in California, with the perils and liability the form includes. A FAIR Plan policy is basic property insurance from the association the Department oversees, used when the regular market has not offered coverage. Many people then add a DIC policy for perils the FAIR Plan form leaves out, which can mean two policies. Neither path is automatic. We can check whether you qualify for one admitted policy with a carrier we are appointed with. If the answer is no, the FAIR Plan is still there.
Bamboo, a managing general agency we are appointed with for admitted coverage only, is described on our Bamboo home insurance page. The California FAIR Plan growth study is background, not a quote: FAIR Plan growth study.
What should you send so we can check whether you qualify?
Send the property address, whether you live there or rent it out, the year built, the roof, and the declarations page you have now, including a FAIR Plan declarations page if that is the current policy. Call (209) 670-1556 or use the secure contact form. We read that against what the carrier will actually quote. We do not tell you the result before the quote.
Offices: Stockton, 956 W Robinhood Dr, and San Jose, 25 N 14th St Ste 125. Homeowners overview: homeowners insurance.
What do California homeowners ask about Stillwater?
These are the questions that come up before a quote. The short answers match the sections above.
Who quotes Stillwater home insurance in California?
Insurance City does. We are an appointed independent agent. Stillwater is a carrier we are appointed with. We are not Stillwater. Call (209) 670-1556.
What homeowners rate change was settled for Stillwater in California?
Consumer Watchdog and PR Newswire reported on September 23, 2025 that Stillwater and the California Department of Insurance settled a homeowners rate increase of 12.4 percent, effective November 27, 2025. Stillwater had requested 27.5 percent.
Does the Department of Insurance list Stillwater as a DIC insurer beside the FAIR Plan?
Not on the list we checked on October 2, 2026. We do not describe a DIC appetite that list does not show. The FAIR Plan remains the lawful last-resort market.
Can Insurance City promise that a home will be approved?
No. A quote is an underwriting check. We can check whether you qualify for one admitted policy. Approval is the carrier’s decision.
Where are the Insurance City offices?
Stockton: 956 W Robinhood Dr, Stockton, CA 95207. San Jose: 25 N 14th St Ste 125, San Jose, CA 95112. Phone (209) 670-1556. CA License #6003045.
Which sources support the facts on this page?
- Consumer Watchdog, Stillwater homeowners rate settlement, September 23, 2025 (page updated February 25, 2026; checked October 2, 2026)
- PR Newswire, same settlement, September 23, 2025
- California Department of Insurance, Report of Examination of Stillwater Insurance Company as of December 31, 2022, filed June 11, 2024
- California Department of Insurance, list of insurers that sell DIC policies (checked October 2, 2026; Stillwater is not named)
- California Department of Insurance, residential insurance and the FAIR Plan (checked October 2, 2026)
Insurance City Agency, LLC — Stockton office: 956 W Robinhood Dr, Stockton, CA 95207 — San Jose office: 25 N 14th St Ste 125, San Jose, CA 95112 — (209) 670-1556. CA License #6003045. Reviewed by Santo Militello, California-licensed Property & Casualty agent (CA License #1737723) and owner of Via Rapida Services. Our licensed team brings more than 70 years of combined insurance experience. No broker fees on standard policies (Stockton & San Jose offices). Last reviewed 2026-10-02.
