Southern Oak Homeowners Insurance Review & Ratings (2025)

Welcome to our comprehensive Southern Oak Homeowners Insurance Review & Ratings. In this article, we delve into the key aspects of Southern Oak Insurance Company, providing you with valuable insights to help you make an informed decision. Discover their coverage options, financial strength, customer reviews, and more.

• Southern Oak Insurance Company offers personal property insurance to residents of Florida
• Although they are a newer company, they have very strong financial health
• Southern Oak is one of the highest-rated insurance companies in the state of Florida

Our goal is to assist you in finding the right homeowners insurance that meets your needs. To ensure you secure the best rates and coverage from top insurance providers, enter your zip code and compare quotes now. Protect your home with confidence and peace of mind.

About Southern Oak Insurance Company

Southern Oak Insurance Company has been in business since 2004 and is domiciled in Florida. The company is privately held and owned by Florida residents. Their home offices are located in Jacksonville, Florida.

Southern Oak provides homeowners insurance coverage only to residents of the state of Florida. They specialize in high-risk coverage zones that are affected by severe weather events.

You can obtain Southern Oak insurance coverage with independent Florida insurance agents throughout the state. You can also get insurance through their online portal.

Southern Oak uses the practice of reinsurance in an effort to help balance out the risk taken on by a single insurance company. This is a strategy that many insurance companies use to insulate themselves from the risk of major disaster payouts. This is a common practice done in high-risk areas, such as coastal areas that incur severe storms.

The companies that Southern Oak reinsures with are not disclosed, but they claim that these companies are all in high standing with A.M. Best rating services. Do be aware that your policy may be underwritten by one of these reinsurance companies.

Southern Oak Insurance Company Online Tools

Southern Oak has an extensive website with access to their policy types, information about the company, contact information, and a comprehensive online portal for customers.

Within their online portal, you can file a claim, update your information, print documents, and pay your bill.

The company does offer a phone app for Android and Apple phones. The phone app gives you all the same features as the website.

Southern Oak Insurance Policy Options

The company offers standard homeowners insurance policies. The policy types available are:

• Homeowners Insurance
• Renters Insurance
• Rental Dwelling Insurance
• Condominium Insurance
• Flood Insurance

They also offer add-ons to their policies customizing their customers’ needs. Add-ons include:

• Personal Belongings Coverage
• Animal Liability Coverage
• Golf Cart Coverage
• Screened Enclosures Coverage
• Sinkhole Coverage
• Acorn and Canopy Protection Coverage
• Additional Flood Policy

With all the additional add-ons available, customers can get practically everything they own covered under an insurance package with Southern Oak.

Southern Oak Insurance Company Financial Strength

Southern Oak Insurance does not have an A.M. Best rating at this time. However, their financial stability has been evaluated by Demotech. They have been given a rating of “A”, which is exceptional. This rating was given to the company in December 2021.

The company has shown growth in the past three years, with a large policyholder surplus. A policyholder surplus is the capital surplus of an insurance company. The company can tap into this surplus to pay out claims as needed. Currently, Southern Oak holds over $40 million in policyholder surplus.

Overall, the financial standing of Southern Oak Insurance Company is very strong, and its financial trend looks very positive.

Hassle-Free Southern Oak Homeowners Insurance Claims Processing

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Southern Oak Insurance Company offers multiple convenient ways for policyholders to file insurance claims. You can file a claim through their user-friendly online portal, over the phone, or via their mobile app. This flexibility allows customers to choose the method that suits them best, ensuring a hassle-free claims process.

Average Claim Processing Time

While the specific processing time for claims may vary depending on the nature of the claim and its complexity, Southern Oak is known for its prompt claims handling. Many customers have praised the company for its efficiency in processing claims, reducing the stress associated with unexpected events.

Customer Feedback on Claim Resolutions and Payouts

Customer reviews of Southern Oak Insurance Company generally reflect positive experiences with claim resolutions and payouts. Policyholders have expressed satisfaction with the company’s ability to tailor policies to their specific needs and provide lower premium rates compared to competitors.

However, some negative feedback does exist, primarily related to policy cancellations and occasional delays in claim payouts.

Southern Oak Homeowners Insurance Embraces Digital Transformation

Mobile App Features and Functionality

Southern Oak offers a mobile app for both Android and Apple smartphones, providing policyholders with on-the-go access to their insurance accounts. The app mirrors the functionality of the company’s website, allowing customers to file claims, update their information, view and print documents, and make payments conveniently from their mobile devices.

Online Account Management Capabilities

Southern Oak’s comprehensive online portal offers robust account management capabilities. Policyholders can access policy information, file claims, update personal details, and conveniently pay bills through this platform. This online account management system enhances customer control and accessibility.

Digital Tools and Resources

Southern Oak Insurance Company provides a range of digital tools and resources to assist customers in managing their insurance needs effectively. These include online policy information, claims tracking, and educational resources to help policyholders make informed decisions about their coverage.

As you consider Southern Oak Insurance for your homeowners insurance needs, these digital and technological features, along with the ease of the claims process, can significantly contribute to a smoother and more convenient insurance experience.

Navigating Southern Oak Insurance: A Comprehensive Overview

Southern Oak Insurance Company Reviews

Southern Oak is a very popular insurance company in Florida and has received several hundred reviews online, mainly on Google Maps. The company’s customer ratings average is 4.4 stars, which is very positive.

One glowing review of the company mentioned how Southern Oak was able to tailor a policy to the customer’s actual needs, as opposed to the typical cookie-cutter policies that big insurance companies dole out.

Many customers note that their rates are much lower than competitors. One customer said that their premium was 20% lower than their previous carrier.

Other things worth noting are mentions of strong customer support and a hassle-free claims process.

There are a handful of negative reviews worth noting. Several customers have experienced being dropped from their policy due to old roofs. One customer said that his policy was dropped because of an old water heater that was installed in a detached garage.

Other customers have had issues with claims taking a long time to pay out. One woman said she had been waiting for four months to even get her claim started, let alone repaired and paid out.

Overall, the reviews left for Southern Oak are overwhelmingly positive, with a handful of negative reviews given throughout the years.

Southern Oak Insurance BBB Rating

The company has been accredited by BBB since 2016 and has accumulated eight reviews. Out of these eight reviews, they have received a rating of 1.13 stars, which is far lower than their Google review score.

The primary complaint filed with the BBB is that the company cancelled its policies for various reasons. Customers have complained that cancellation was unwarranted and given without notice.

Southern Oak Insurance Complaints

According to the National Association of Insurance Commissioners, Southern Oak Insurance Company has received zero confirmed complaints in 2021. This is exceptional for an insurance company. There were zero complaints on file in 2020 as well.

However, the company received 47 confirmed complaints in 2019. This is due to the fact that 2019 was a catastrophic damage year for residents of Florida. Other insurance companies accrued far higher complaints during this year.

The national average complaint index score is a one, and Southern Oak sits at a zero. This score reflects their high levels of positive reviews online.

Overall, Southern Oak Insurance Company has overwhelmingly positive online ratings for an insurance company. Their complaint index score of zero is in step with their positive reviews. There are some negative reviews online, mainly consisting of dropped policies. So, if you do decide to open a policy with Southern Oak, make sure you keep your appliances and roof up to date.

Southern Oak Home Insurance: A Comprehensive Review

Southern Oaks insurance company reviews reveal a generally positive sentiment among policyholders, particularly highlighting the responsiveness and professionalism of Southern Oak insurance agents. Customers appreciate the comprehensive coverage options provided by Southern Oaks home insurance, noting that it caters well to the unique needs of Florida homeowners.

The company has received commendations for its competitive rates and solid customer service, as seen in homeowners insurance Florida reviews. Many clients consider it among the best homeowners insurance Florida reviews, attributing high satisfaction to the ease of filing claims and the support offered throughout the process.

When comparing best home insurance company ratings, Southern Oak often stands out for its customer-focused approach. This recognition is reflected in best home insurance reviews that praise the company’s attention to detail and effective communication channels, including the convenient Southern Oak insurance agent login.

For policyholders needing to file claims, the accessible Southern Oak insurance claims phone number is another appreciated feature. Additionally, Southern Oak’s reputation is bolstered by home insurance company ratings and home insurance company reviews that consistently rank it highly among competitors.

This makes it a solid choice for those seeking reliable coverage, supported by positive feedback in homelife warranty protection reviews and A.M. Best coastal home insurance ratings.

Wrapping up About Southern Oak Insurance Company for 2022

Southern Oak Insurance Company is a smaller insurance carrier that only writes policies in Florida. They use the reinsurance strategy to help insulate their balance sheets in the case of a heavy peril year.

The company is privately owned by Florida residents, so they understand what homeowners specifically need. They specialize in high-risk policies due to severe weather events.

Southern Oak offers all the basic personal property insurance coverage and has several add-on packages available to customize policies for customer needs.

The financial standing of the company is excellent, and its balance sheets are very strong with growth in its capital surplus year over year.

Southern Oak Insurance Company has very strong online reviews, with the occasional bad review sprinkled in. Overall, customers seem to be very satisfied with how the company handles claims.

Overall, Southern Oak Insurance Company is a very strong contender if you live in Florida and are at risk of incurring damage from severe weather events.

Another strong insurance company based out of Florida is FedNat Insurance Company.