Southern Oak Insurance Company is a Florida based property insurer, specializing in providing home insurance. As Florida residents, we have a unique connection to our policy holders and agents. We ensure viable, quality coverage, with a level of care and empathy that only another Floridian can understand. Southern Oak holds a Demotech Rating of "A Exceptional"​ Financial Stability. Meaning that our company maintains a positive surplus and the ability to isolate ourselves, our agents and our policyholders from general economic downturn or deterioration in the insurance cycle. Southern Oak Insurance is committed to providing our policyholders and agents with exceptional service, from complete, cost-effective coverage to superior claims handling service through our statewide network of claims adjusters. We pledge to ensure that our local agents have all of the resources they need in times of catastrophe. We excel in working towards fair and timely settlements to help families rebuild and get back too their normal lives.