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Southern Oak Insurance Company

Southern Oak

Do you live in Florida and have trouble finding or keeping an insurance policy due to the high risks of living in an area where storms and damages occur frequently? Has your insurance company raised their premiums, gone out of business, left you hanging, or walked away from Florida due to these risks altogether? Then, you should check out Southern Oak Insurance Company.

Southern Oak Insurance is Founded


The Southern Oak Insurance Company began in early 2005 when many big-named companies were abandoning thousands of policies and leaving the Florida area behind. It kept its company afloat by carefully monitoring and selecting which policies it would write. In addition, it kept costs down on its marketing, spreading its coverage area and using independent agents to target the private market. By doing so, they can selectively write policies all over the state and distribute their risks by offering several insurance products, such as homeowners, renters, and condo unit owners.


Southern Oak Insurance Company’s main office in Jacksonville, Florida, specializes in personal residential property coverage. Their executive team has over 100 years of combined experience in the insurance industry. It has an A financial stability rating, which means they are exceptional at maintaining excess satisfactorily. Because Southern Oak Insurance Company is small, one advantage is that it can react quickly to the market. Larger companies have additional financial ability, but smaller companies can adapt quickly. Sometimes, more exposure is needed, and having too many policies can put a company in a situation where they are forced not to renew and get out of the business altogether.

What is the Goal of Southern Oak? 

Southern Oak Insurance Company aims to keep its costs low. However, due to all of the storms in Florida, we have seen a rising cost of products due to shortages. It could be lumber, supplies, or just essential workers, but the demand is the same. With Southern Oak behind them, the state of Florida is working on establishing better building construction regulations in Florida that would require builders to build homes sturdier to handle damage from storms and winds. This change would help lower insurance costs, reduce premiums, and support its customers.

What do they Offer Floridians?


Southern Oak offers insurance products that include Florida homeowners insurance for those who own their own home and damages happen to it. Its Homeowners Policy also provides additional coverage on:

  • trailers
  • watercraft
  • firearms
  • securities
  • business items,
  • electronics
  • theft of personal items no matter where you are


Southern Oak Insurance Company also has additional homeowners coverages, including added medical payments that cover up to $5,000. 


In addition, they added limits for

  • jewelry up to $5,000
  • watches up to $5,000
  • furs up to $5,000
  • silverware up to $10,000
  • Optional animal liability coverage up to $5,000
  • Golf cart damage up to $ 5,000 


Southern Oak Condo Insurance in Florida

Southern Oak offers a Condominium Unit Owners Policy to protect the condominium units rented or leased to people if something happens to one of them and a Tenant Policy that protects the person and belongings of the rented place. A Dwelling Fire Policy to help in case of a fire in the dwelling you are living in. It is considered one of the premier Florida condo insurance policies.


The Southern Oak Insurance Company has also acquired an excellent reinsurance program, and they only agree on these contracts with highly rated companies. Hence, if an unfortunate event happens, the reinsurance company will be the backup and support and decrease the exposure. There is also a fund for extra protection called the Florida Hurricane Catastrophe Fund for those times of disaster in Florida.

Southern Oak Offers Flexible Payment Options 

Southern Oak Insurance Company also offers a variety of payment options for premiums only to make it more convenient and helpful to their customers. For example, if customers pay the whole year upfront in full, Southern Oak rewards them with no service fee. In addition, they can also make their payment two times a year (every six months). First, the customer pays 60% down. Then 40% for the second half of the year. However, they charge the customer a $5.00 service fee per payment. Finally, they can assess the customer four times a year (every three months) with 40% down for the first payment and 20% for the following three additional costs. However, they also charge the customer a $5.00 service fee per payment (which is $20.00 more).


The Southern Oak Insurance Company strives to provide the best insurance possible in Florida and to give exceptional service to their customers as they continue to grow and prosper in the Florida area. It offers a website where you can log on at any time, day or night, make payments, manage your accounts, and even have your documents and bills delivered electronically. Southern Oak is committed to being there for its customers in their time of need and helping them through it. They will still be there when you need them the most.

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