Southern Oak Insurance Company is a Florida-based insurance company specializing in personal residential property coverage. It is a privately held company wholly owned and operated by Florida residents with home offices in Jacksonville, FL. The core strength of Southern Oak is its knowledge and understanding of the Florida Property Insurance Market with members of its executive team having over 100 years of insurance experience.

Southern Oak is committed to providing policyholders with exceptional service. Their policyholders have the ability to log into mySouthernOak where they can manage their policies, choose electronic delivery of documents, and make payments at their convenience, anytime day or night.

Southern Oak believes that operating a business in Florida is more than just providing services. Southern Oak is an active member of the Florida community while also partnering with many Florida charities.

Southern Oak provides homeowners coverage in Florida through a statewide network of independent agents. Additionally, our extensive network of experienced claims professionals ensures that Southern Oak Insurance will be there when you need them most.

Southern Oak Insurance Company has been assigned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc. Regardless of the severity of a general economic downturn or deterioration in the insurance cycle, insurers earning a FSR of A possess exceptional financial stability related to maintaining surplus as regards policyholders at an acceptable level. Their financial position is further strengthened by reinsurance companies approved by the Florida Department of Insurance, and with an A.M. Best Financial Strength Rating between “A-“ and “A++”.

Southern Oak Insurance Company is a Florida domiciled company established in 2004 to provide residential property coverage. As a privately held company wholly owned by Florida residents, we understand the importance of being there when you need us most.

Southern Oak Insurance has earned a Financial Stability Rating of A. Exceptional from Demotech. Inc. FSRs® are a leading indicator of financial stability, providing an objective baseline of the future solvency of a insurer.

Southern Oak secures reinsurance (insurance for insurance companies) from A-Rated companies to protect both policyholders and the company from hurricane and catastrophic events. This protects the policyholders against all past storms that have impacted Florida, as well as events we have not yet experienced. Southern Oak will be there for you after a storm.