Stillwater Risk Management

Stillwater Risk Management San Antonio's local insurance agency. We help homeowners protect what matters most — with personal service, bundling savings, and real claims support. Bilingual.

Locally owned.

08/28/2026

The coverage question we hear most: "Wait — what are my liability limits?" 🤔

Liability is the part of your policy that covers the other person when you're at fault — their car, their injuries, their costs. And it's the piece most people never think about until they need it.

Worth knowing:
• The state minimum is exactly that — a minimum, not a recommendation.
• If a serious accident costs more than your limit, the difference can come out of your pocket.
• Raising your liability is often a smaller adjustment than people expect — and an umbrella policy can extend it further.

Not sure what yours are? That's a totally normal question — and a quick one to answer. Call us: 210-536-5943.

08/26/2026

San Antonio in late August is its own kind of test. 🥵

Rank these in order of misery:
🚗 A steering wheel you can't touch
🏠 AC that "sorta" keeps up
👟 The walk across a parking lot
🐕 Trying to walk the dog before 8am

Go. 👇

08/24/2026

New school year, new routines — a good moment for a 10-minute coverage check. 📋

If any of these changed since we last talked, it's worth a quick call:
• A new driver joined the family
• A kid moved into a dorm or first apartment
• You picked up a new vehicle over the summer
• You started a side business out of the house

Life changes faster than policies do. We'll help you understand where you stand — no pressure, no jargon. Call or text 210-536-5943.

What changed for you this summer? 👇

08/19/2026

Heads up, San Antonio: the school zones are live again. 🚨

Buses are back, crossing guards are out, and those 20-mph zones are enforced again starting this week. A few reminders as the routine resets:
• Phones down — handheld use is illegal in Texas school zones, and the fines are real.
• Give yourself an extra five minutes so you're not the one rushing past a crosswalk.
• Watch for kids at bus stops in the dark early mornings.

Drive like your own kid is on that corner. Everyone gets there safer that way. 💙

08/17/2026

Dropping a kid off at college this month? Their stuff might be less covered than you'd guess. 🎓

Here's what a lot of parents don't realize:
• A student living in a dorm is often covered under a parent's homeowners policy — but usually with limits.
• Once they move into an off-campus apartment, that coverage generally changes, and a renters policy is worth a look.
• Renters coverage typically isn't just "stuff" — it can include liability too, which matters when roommates are involved.

Every situation's a little different, so the real answer happens on the phone. We'll help you understand where your student stands: 210-536-5943.

08/12/2026

Real talk, San Antonio: summer's almost over. 🎒

Most area districts are back in session over the next couple of weeks — Boerne and San Antonio ISD both start around Aug 11–12, with others rolling in through the month.

That means earlier mornings, fuller parking lots, and a lot more foot traffic around campuses. If your routine's about to change, this is a good week to get ahead of it.

Which district are you counting down to? Drop it below 👇

08/10/2026

New driver in the house this fall? Quick gut check before the first school-year drop-off. 🚗

Adding a teen to your auto policy is one of those things most families don't think about until the week school starts. A few things worth knowing:
• In Texas, coverage generally follows the car — so who's behind the wheel matters.
• A new driver on the policy can change how your coverage is structured.
• It's worth a look at your liability limits before they're on the road every morning.

We're happy to walk you through what to expect — no pressure, just clarity. Call us at 210-536-5943.

What grade is your new driver starting? 👇

08/07/2026

A quick story — details changed to keep it private. 🛠️

A San Antonio family called us after a summer storm sent a branch through their roof. They were rattled and not sure where to start. We walked them through their options, helped them understand what their policy covered, and pointed them to the next step — so they could focus on their family instead of paperwork.

We can't promise how any single claim will turn out — no one honestly can. But we can promise you won't be figuring it out alone. That's what a local agency is for.

Questions about your own coverage? 210-536-5943.

07/27/2026

We're past the halfway mark of 2026. Quick gut check: has your insurance kept up with your year?

New car. Renovated kitchen. Added a teen driver. Bought a boat or ATV for the lake. Started a side business out of the house. Any one of those can change what you actually need — and most people don't find out until claim time. Wrong time.

A coverage review is free, takes about 15 minutes, and there's zero pressure. We'll just help you understand where you stand.

Message us here or call 210-536-5947.

07/24/2026

A claim is the moment insurance stops being a line item and starts being real.

We've sat with San Antonio families on some of their hardest days — the kitchen fire, the hail-totaled truck, the break-in while they were on vacation. What we hear most afterward isn't about the policy. It's "thank you for actually answering the phone."

That's the whole reason we're a local, family-run shop instead of a 1-800 number. When something goes sideways, you want a neighbor, not a queue.

If it's been a while since anyone looked over your coverage, consider this your sign: 210-536-5947.

Address

14855 Blanco Road Ste 412
San Antonio, TX
78216

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+12105365943

Website

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