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Southern Oak

Southern Oak Insurance Company is a Florida-based Property and Casualty insurance carrier that was founded in 2004.

They are owned by Floridians and for Floridians, they are located in Jacksonville. Southern Oaks homeowners insurance is offered throughout Florida and by independent agents/agencies, like, only. Flood coverage is among the many additional add-ons they offer policyholders for greater protection.

Southern Oak offers policies that include homeowners insurance, renters insurance or tenants’ insurance, condo or unit owner insurance, and dwelling property insurance for landlords. Their different property insurance plans can include coverage for Dwelling, Other Structures, Personal Possessions, Loss of Use, Personal Liability, and Medical Payments.

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Customer Rating

Southern has a insurance carrier rating of 4 out of 5 stars based on our research.

One core strength of Southern Oak is their local knowledge and understanding of the Florida market They are Better Business Bureau accredited and have a BBB Rating of “A+”.

Our carrier rating takes into account several factors about the insurer, our industry-experienced research, policyholder’s feedback, and other publicly available data. We also take into account the carrier’s financial stability, organizational structure, and history as well as their historical claims payout data to generate our comprehensive carrier profiles with a low to high rating of between 1 to 5 stars.

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Financial Stability

Southern Oak does not have an A.M. Best Credit Rating, a Credit Rating scoring opinion of an insurer’s financial strength and ability to meet their ongoing insurance policy and contractual obligations.

They have a Financial Stability Rating of “A or Exceptional” from Demotech Inc. for their long-term stability. Financial Stability Ratings (FSRs) are a leading indicator of the financial stability of Property and Casualty insurers.

AM Best is an independent insurance rating agency that provides credit ratings and financial data products for the insurance industry. Demotech Inc. specializes in providing ratings and detailed financial analysis of regional and specialty insurers.