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® is a leading indicator of financial stability, providing an objective baseline of the future solvency of an insurer.

Protecting Policyholders and the Future of Our Company

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