flood insurance

Why Now Is The Right Time To Buy Flood Insurance

Hurricane season is winding down, so it may seem like flood insurance should be the last thing on your mind. With the immediate danger in your rearview, it may even seem financially prudent to wait for another 10 months before you even consider it. But before you declare the discussion over, keep in mind that […]

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7 Hurricane Myth-Conceptions

You’ve made it through the last hurricane safely, but maybe your home wasn’t so lucky. Now it’s time to assess the damage and determine if you need to file a claim. There are many misconceptions about filing hurricane claims  The Sun Sentinel recently quoted Florida Chief Financial Officer, Jimmy Patronis, as he debunked a number […]

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halloween safety

Halloween Safety Tips from Southern Oak

Halloween is here, so it’s time to make sure your home is ready. Whether you’re having friends over for spooky fun or you plan on welcoming lots of tiny tots in costume to choose their favorite treats, it’s also a good time of year to revisit your homeowner’s insurance policy. Southern Oak has tips to make […]

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Hurricane Michael

Monitoring Hurricane Michael Southern Oak Insurance Company is closely watching the forecast for Hurricane Michael. This storm has the potential to effect the State of Florida and as such, we want your family to be as prepared as possible. We have included our disaster preparedness resources for you to download and share with your family: […]

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home insurance

Fire Prevention Starts With You

Fire education isn’t just for kids. Adults, teenagers and especially the elderly are at risk in the event of a fire and every second counts when it comes to getting out safely. Every member of your family needs to be educated on how to prevent fires at home and how to get out in case a […]

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Family Halloween Safety

Halloween Safety Tips for the Family

Halloween is one of the most anticipated holidays of the year for kids. Dressing up, being outside with friends, family and tons of candy are enough to make any kid boil over with excitement. Keeping family safety in mind ahead of time can help produce a safe and memorable holiday for everyone. Here are 5 important […]

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public adjuster

Know the Facts About Public Adjusters

Have you been approached by or considered working with a Public Adjuster on your claim? With storm season in full swing, it’s important to be as prepared as possible. Here is some important information to consider before signing a contract with a Public Adjuster.

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How to Keep Kids Safe Around the Pool This Summer

How to Keep Kids Safe Around the Pool This Summer

According to a study by the Centers for Disease Control and Prevention (CDC), from 2005-2014 there were an average of 3,536 fatal, unintentional drownings (non-boating related) annually in the US, and about one in five of those people were children under 14.  Additionally, for every child who dies from drowning, another five receive emergency department […]

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homeowners insurance

Florida Homeowner Tips: Reduce Air Conditioning Costs This Summer

As Floridians ourselves, we know that the cost of air conditioning becomes one of the largest home expenses during the long summers. Cooling expenses should also be a consideration when buying a house as both electricity and the premiums for Florida homeowners insurance are two big costs of home ownership to consider beyond just making […]

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home insurance

What Your Home Insurance May Not Cover

If you’ve just bought a new house – and especially if this is your first time buying one – you’re probably wondering exactly how your homeowners insurance works and what it covers. Well, a better answer may be what it doesn’t cover. Many new homeowners assume their policy handles quite a few types of damage that it doesn’t, and […]

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hurricane season

Using Your Tax Holiday to Prep for Hurricane Season

When the sales tax holiday rolls around this summer from June 1 – 7 and from July 6 – 12, you might be like most people and decide to stock up on school supplies or general household items before the deadline runs out. But wait! Don’t forget hurricane season starts June 1st (what a crazy […]

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identity theft

Protect Yourself From Identity Theft

If you’ve ever been the unfortunate victim of identity theft, you know all too well the terrible wave of panic that sweeps over you the moment you realize your information has been stolen and used fraudulently.  You also know how difficult it is to put the pieces back together and recover from an incident involving […]

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flood insurance

Why Do I Need Flood Insurance?

Flooding is the #1 ranked natural disaster in the country and yet, there are numerous common misconceptions about flood insurance that permeate in the United States, specifically in Florida. Make sure your home and property is protected in case of an emergency, as many residents live in coastal areas. Knowing the importance of flood insurance […]

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fire safety

Spring into Fire Safety: A Guide to Prepping Your Home This Season

When you’re in the throes of spring cleaning, take a moment and remember to add these fire prevention tips onto your honey-dos. Not only do you want to prevent fires and keep the lives of your family members safe, but you also want to safeguard against costly smoke damage which can often be impossible to […]

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Homeowners Insurance

10 New Home Buying Tips

So you’re in the process of buying a new home, and you’re wondering what the deal is with home insurance. You need it, obviously, but how should you go about finding it? What type of coverage do you need? How do you know if you have enough insurance? Those are all great questions to talk with […]

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10 Innovative Home Cleaning Solutions That Save Time

Maintaining a clean, orderly home when you have children, pets, and a full-time job can feel like a never-ending war against the clock. There are ways to reduce the time and financial investment in house cleaning without compromising on the end result. Here are 10 simple and innovative home cleaning solutions will help speed up […]

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pet safe cleaning products

The Best Pet Safe Cleaning Products

We love our pets, and keeping them safe and healthy is our number one responsibility as a pet owner. There could be hidden danger for your pet in your home, especially in the form of home cleaning products. The EPA estimates that more than 50 percent of indoor pollution is the result of chemical-based household […]

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homeowners insurance

It’s 2018! Time for a Homeowners Insurance Checkup

New Year, New…Insurance Policy? You bet. Floridians were hit hard in 2017 and many were left disillusioned with their coverage. Now is the time to dig into the details of your policy, talk with your insurance agent, and make changes to ensure 2018 is covered.

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holiday travel

Tips for Stress-Free Holiday Travel

Preparing for travel over the holidays can make people simultaneously anxious and excited. You’re balancing how fun it will be to have family meet your new bundle of joy versus how much your fellow airline passengers will appreciate your precious cargo. When you start feeling overwhelmed, keep these tips in mind for easier travel.

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holiday safety

Thanksgiving Food Hazards: How to Avoid Choking, Food Poisoning, and Contamination

Cooking a turkey is kind of a big deal. Whether this is your first time or your 50th, read through these tips for thawing and cooking to reduce cross contamination and potential food poisoning. You’ll also find tips for storing leftovers and minimizing choking hazards! Keep everyone safe this thanksgiving while still enjoying the festivities.

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hosting the holidays

Hosting the Holidays? Prep Your Home for Guests

It’s great to get everyone under one roof for the holidays. Good food, good friends, and good fun abound. If you’re the hostess with the mostess this year, be sure to check your list twice for safety. May your holidays be extra cozy when you take these few extra precautions into consideration as you prepare […]

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fire safety

Four Tips to Prevent Home Fires

We hope you practice fire safety and prevention all year long! But if you’re like most of us, some of these simple checks and plans might have slipped your mind. Good news though—Fire Prevention Week is from October 8-14, and it’s a great time to address potential fire risks. Over 365,000 home fires were reported […]

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homeowners insurance

Fall Maintenance for Homeowners

In the aftermath of Hurricane Irma, Florida homeowners need to take extra maintenance precautions to prepare their home for winter. In addition to investing in comprehensive homeowners insurance, there are several DIY tasks you can complete to prepare your home for a safe and happy season.

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Hurricane Facts

9 Hurricane Facts To Know During Storm Season

It’s still the beginning of storm season, but hurricane preparedness is probably not on your mind too much just yet. Hurricane season started on the first of June and will run right up until the end of November when storm season comes to an end. It is of the utmost importance to exercise ongoing hurricane preparedness. […]

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Important Pool Safety Tips for Summer

Important Pool Safety Tips for Summer

The hottest days of summer are here and millions are flocking to the community and backyard pools. Refreshing water cools down your friends and family, making an enjoyable day for all. For all the fun and relaxation that pools and spas provide, they also come with their share of danger. Everyone should respect the rules […]

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assignment of benefits

What to Know About AOB Fraud This Storm Season

AOBs have been available in the state of Florida for over 100 years. However, through the decades, many have found loopholes in the system, which have not only resulted in an increase in insurance costs for homeowners but also cases of fraud. What is an AOB? For those who aren’t familiar with AOB, Assignment of Benefits […]

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storm season

Storm Preparation to Avoid Scams

It happens all too often. A vicious storm wipes through the region, causing damage to trees, vehicles, and homes. Maybe you were one of the victims, or maybe you were one of the lucky ones. A day or two following the storm, your family was approached by an individual offering to inspect your roof, replace […]

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Hurricane Season

Is Your Home Ready for Hurricane Season?

It goes without saying that June 1 has a special meaning to Floridians: the start of the Atlantic Hurricane Season. According to the  National Oceanic and Atmospheric Administration, it’s shaping up to be “above average”, with  11-17 named storms! Besides those 17 tropical storms and hurricanes, NOAA notes there will be many other storms that can […]

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homeowners insurance

Best Places to Live in Florida

If you’re considering a move to the Sunshine State, Florida residents will be quick to tell you that the quality of life is one of the highest, with a warm climate year-round and numerous beaches to choose from. When determining which city is right for your family, you should take into account amenities, schools, and […]

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assignment of benefits

Roofing Fraud & AOB – How to Protect Yourself

Roofing fraud is alive and well, and some contractors might try and take your money and run. The situation you could find yourself in can seem legitimate, however you need to be wary of a contractor claiming to take care of everything, including your insurance policy. These are specific warning signs you need to keep […]

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homeowners insurance

Home Renovations to Improve Insurance Costs

Are you a homeowner who is looking to make improvements to your home and thinking about investing in some exciting renovation projects? Renovations can make your home look and feel better. When thinking about home renovations, it’s a good idea to also consider the effects it may have on your homeowner insurance costs. Some renovations may […]

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assignment of benefits

AOB Legislative Overview

Insurance fraud is on the rise in Florida, especially during storm season when insurance claims are high. However, help is on the way to protect homeowners from shady contractors who have bilked insurance carriers and policyholders out of millions of dollars! In February, the Florida legislature drafted a bill that addresses the Assignment of Benefits […]

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These Factors Could Affect Insurance Costs

Home insurance is a necessary expense that comes with owning a home. Homeowners insurance will cost the average person hundreds or even thousands of dollars per year. There are plenty of factors that contribute to the price you’re paying – whether it be your furry friend living with you or having an alarm system. Whether you’re getting an insurance policy […]

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homeowners insurance

The Real Cost of Buying a Home

Wouldn’t it be ideal if every home buyer only needed to pay the price on their mortgage label? In reality, there are several hidden costs attached to home loans. You may also need to create an escrow account in conjunction with your mortgage to accommodate these costs. This is done to safeguard the lender if the […]

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Types of Home Loans & What They Mean

Choosing a mortgage from the many types of home loans is potentially one of the largest financial decisions you could make. Interest rates are not the only deciding factor here. You’ll also need to take your lifestyle, finances, home ownership goals, and various mortgage attributes into account. As a home buyer, mortgage diversity enables you to […]

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homeowners insurance

Assignment of Benefits

Being a Florida homeowner can come with a lot of risks – a lot of them being weather related. Before the 2017 storm season, you may need to consider getting work done on your house prior to or after a storm approaches. Before you hire a contractor, there are things you need to be aware of. Check […]

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homeowners insurance

Homeowners Insurance: “Cheaper” May Not Cost Less

Most Floridians would consider their home to be their most valuable asset. Naturally, many homeowners want to stretch their dollar as far as they can. Cheap homeowners insurance may cost you less up front, but that savings won’t pay if you have to sacrifice coverage for a lower rate and end up facing an expensive […]

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Escrow Statement

How to Understand Your Escrow Statement

Buying a house is a big deal, so first of all, congratulations! However, if you’re a new homeowner, or perhaps an experienced homeowner who just hasn’t yet figured out what an escrow statement is, you may be realizing that it’s a hard document to decipher. Never fear: We’re here to help you figure it out. […]

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homeowners coverage

Understanding Your Homeowners Insurance Policy

Being a homeowner is an exciting thing, however it may leave some people with questions. Do you know exactly what is covered in your homeowners insurance policy? Every basic home insurance policy provides a package of insurance protection for your home, with different types of coverage included. Let us take the guesswork out of your homeowners insurance […]

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home safety

Home Safety For the Holidays

Families all around Florida are ready for holiday travel and thieves are already on the prowl looking for opportunities. Christmas is a figurative gold mine for them. Whether it’s you who goes out of town or your family of snowbirds traveling south to escape the cold, everyone should be encouraged to take precautions and protect […]

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homeowners insurance

Holiday Accidents & Insurance – Are You Covered?

The holidays are both a magical and dangerous time of year. Pets and kids run amok and drinks are spilled after Uncle Bill’s third telling of the time he went to Salt Lake City. When friends tell stories about their own mishaps, it rarely comes with a detailed explanation of what their homeowners insurance would and would not cover either. […]

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Theft and the Holidays: Are you Covered?

The holidays are a wonderful time for criminals to plot out their next great score. This is a time of year when everything changes: mall trips become more frequent, kids come home for Christmas, and we start preparing to host our many relatives. There are big incentives for thieves in November and December, and Southern Oak wants […]

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family safety

Home Insurance – Does Yours Cover Fallen Trees?

The holidays are just around the corner but Florida homeowners know that hurricane season is here for a few more weeks. Even though it’s time to start planning for your winter parties, bad weather could make it hard to get in the holiday spirit. For many homeowners, fallen trees are one of the most common issues […]

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fire safety

Fire Safety Around The House

October is fire safety month, and that means making sure your family knows the dangers a fire can cause. Exercising fire prevention in your home is essential, so it is important that you are aware of the many ways in which a fire can start. Keep your family safe and prepared, and beware of these red […]

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Dangers of Price Gouging

Being a Florida homeowner means you are familiar with the impending hurricane season every summer. Storms can leave your home damaged, leaving you with no option but to get repairs done as soon as possible to keep your family safe. Before you scramble to hire a contractor or worker, take some time to ensure you won’t fall victim […]

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Gutter Damage

4 Ways to Prevent Water Damage from Clogged Gutters

Autumn is here- the season of changing colors and falling leaves.  Although these things may be pretty to look at, they could potentially be harmful to your home. Clogged gutters can cause water to leak into your roof and cause mold to grow in your home, which can cause respiratory infections and allergies. The cost of […]

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home insurance

How To Get the Best Home Insurance Quotes

Home insurance can be expensive, costing the average homeowner hundreds or even thousands of dollars per year. The good news? You can substantially reduce your insurance quotes by following a few simple guidelines so you are prepared when insurance agents give you a quote. Whether you’re waiting to close on your first home or are just […]

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SO Blog #4

What to Consider When Buying a New Home

Sure, you know all about location, location, location. Buying a home near good schools, good shopping, city centers or water is always a good idea. But what about those home-buying considerations you don’t usually hear about? Let’s take a look at some of the most common factors homeowners should – but often don’t – think […]

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Questions To Ask Your Home Insurance Agent

7 Questions to Ask Your Home Insurance Agent

Shopping for homeowners insurance is just as important as shopping for the right home. When you’re first looking at buying homes, it pays to be in the know when it comes to home insurance, because the type of policy you can get should influence the location and condition of the home you buy. Here are seven questions and […]

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Buying Your First Home

What To Know When Buying Your First Home

Buying a home for the first time brings with it a wealth of confusing options, from what neighborhood is best to how many bedrooms you really need to how much you can get pre-approved for. One thing first time buyers typically forget, however, is homeowners insurance. This critical piece of protection can mean the difference between replacing your […]

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5 Safest Cities in Florida

The 5 Safest Cities to Live in Florida

The Sunshine State has a great reputation as a top vacation or retirement destination in the U.S. But many people may not know that Florida is also home to many towns and cities that offer a high-quality of living year round – not to mention a temperate climate and plenty of beaches and other natural […]

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Storm Safety

What To Teach Your Kids About Storm Safety

Here in Florida, severe thunderstorms, tropical storms and hurricanes are a part of life. As adults we prepare for the storm season by keeping important supplies, keeping track of approaching storms and making sure we have the right homeowners insurance in case of disaster. However, kids often don’t understand that hurricanes and other big storms don’t […]

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flood insurance

Why Flood Insurance Isn’t Like Your Homeowners’ Insurance

When it comes to protecting your home and your financial assets, having adequate homeowners insurance coverage is of paramount importance. And when you think about it, it’s a great value too: For a relatively small cost per month (or year for annual premiums), you can have the peace of mind that comes from knowing your […]

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Home Inventory

Is Your Home Inventory Up-To-Date?

From couches to jewelry, your home is full of a lifetime of objects, and each one holds value and memories. If a disaster were to happen, could you remember what’s in your home, when you purchased it, and it’s exact cost? These details are crucial so that you could be reimbursed for the loss and […]

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flood insurance

5 Things You Should Know About Flood Insurance

Floods are the most common cause of weather-related home damage in the U.S., accounting for an average of about $4 billion in losses every year. Hurricane Sandy alone resulted in almost $7 billion in National Flood Insurance Program claims, and Hurricane Katrina NFIP payouts amounted to more than $16 billion. Even with those federal programs […]

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Blog 3 - When Should I Talk With a Homeowners Insurance Agent

When Should I Talk With a Homeowners Insurance Agent?

Most people think you only need to talk to a home insurance agent when you need to file a claim, such as when a tree falls on your roof or a fire or storm damages your property. But actually, you have plenty of reasons to talk to your homeowners insurance agent that have nothing to do with filing […]

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What's Covered in Your Homeowner's Insurance?

What’s Covered in Your Homeowners Insurance?

Homeowners insurance plays a critical role in ensuring your assets are protected against many types of losses. But while the average policy provides adequate coverage for most needs, many homeowners aren’t really sure just which losses are covered and which aren’t– until it’s time to make a claim and they find they don’t have the coverage they thought they […]

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Engagement Ring Insurance

Engagement Ring Insurance – Protect Your Investment

Thinking about getting married? It all starts with the engagement ring. Making sure your future homeowners insurance will cover this expense should be a consideration before and after your wedding. An engagement ring can be pretty expensive, so protecting this investment is a high priority. Already engaged?  There are a few things you should know:

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Homeowners Insurance Florida - What Perils or Hazards are Covered?

Homeowners Insurance in Florida- What Perils or Hazards are Covered?

Called perils, hazards, or threats, most Florida homeowners insurance policies either specifically include or exclude certain kinds of risks. One of the most important keys to understanding homeowners insurance is understanding what risks are or are not covered. The right time to find out is today, and the wrong time to learn about included and excluded perils is after […]

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Beat The Flu - 5 Ways To Keep Your Home Germ-Free

Beat The Flu – 5 Ways To Keep Your Home Germ-Free

Winter is here and it’s time for the flu to rear its ugly head. Protecting your home and keeping everyone safe is a high priority. Although many people get under the weather during this time of year, there are a few precautions you can take to keep the germs away.

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Home Organization - 10 Resolutions For 2016

Home Organization – 10 Resolutions for 2016

It’s a new year and getting things organized should be a priority. There are a number of resolutions homeowners can do in 2016 to improve the way they organize their home. Organization helps pinpoint things and items that can make a significant difference in a Florida homeowners insurance policy. Here are a few that are […]

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How To Be The World's Best Holiday Party Host

How To Be The World’s Best Holiday Party Host

As you plan your holiday party, make sure you have the right Florida homeowners insurance in place to stay safe. Here are 10 ways to be a responsible holiday party host:        

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Holiday Travel: Keep Your Home Safe While You're Away

Holiday Travel: Keep Your Home Safe While You’re Away

The holidays are a common time of year to travel, and although its fun to see family and friends in faraway places, it does leave your home exposed to burglary, vandalism and other dangers in ways it isn’t the rest of the year. Here are 12 ways to keep your home safe while you’re gone […]

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What About The Dog? 10 Pet Safety Tips For The Holidays

What About The Dog? 10 Pet Safety Tips For The Holidays

The holidays are a fun time for everyone in the family, including the dog. Whether a golden retriever, springer spaniel or a beagle, dogs can feed off of your emotions. However, they are also curious animals who may become over excited with visiting guests as well. Follow these to pet safety tips to make sure […]

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Being A Responsible Party Host

Being a Responsible Party Host

The perfect time to throw a party for friends and family is during the holidays. Whether it’s the annual Ugly Christmas Sweater party or you want to bring in the New Years with a bang, make sure to follow these tips to remain a responsible party host.

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Safety for House Guests Around the Holidays

Safety for House Guests Around the Holidays

The holidays are a wonderful time of year, full of joy and cheer. It is a time you might see family and friends from around the country; however, it is also one of the most accident prone times of the year as well. With guests visiting your home, make sure to follow these tips to keep […]

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Home Safety While You're Away for the Holidays

Home Safety While You’re Away for the Holidays

Planning to travel for the holidays?  As a Florida homeowner, you may want to consider these 10 safety tips to keep your home safe and sound.

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Trick or Treat Safety for Kids

Trick or Treat Safety for Kids

When it’s time for your kids to trick or treat alone for the first time, Halloween gets extra scary. Sure, you want your kids to have fun on this year’s spooky holiday, but you know safety has to come first. Here are a few quick Trick or Treating Safety Tips.

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How To Use a Home Insurance Calculator

How to Use a Home Insurance Calculator

How much is your home really worth? When you’re looking for home insurance, it can be difficult to determine exactly what to insure and for how much. How do you use a home insurance calculator, and what does it actually reveal? The amount of insurance you should have on your home varies depending on the […]

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JDRF's Miracle Gala - One Night In Paris

JDRF’s Miracles Gala – One Night of Paris

Every year, 40,000 people are diagnosed with Type 1 Diabetes, which is associated with a 13 year decrease in life expectancy. There is no known cause or cure; which is why the Juvenile Diabetes Research Foundation (JDRF) is working to find one.

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The Heart Glu Foundation's "Underneath The Stars" Dinner

The Heart Glu Foundation’s “Underneath The Stars” Dinner

Many schools across the U.S. are underpriveleged;  in many low-income communities across America, the schools do not have the proper resources to teach their students, and many fall behind.  Because of this, less than 50% of low-income kids graduate high school and less than 30% go to college. The Heart Glu Foundation is attempting to […]

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6 Tips for Getting the Best Home Insurance Quotes Possible

6 Tips for Getting the Best Home Insurance Quotes Possible

Whether you’re purchasing insurance online or in person, make sure that your cheap insurance quote is also a quality deal. How much is homeowners insurance? Whether you’re buying and insuring your first home or negotiating a new policy, you’re looking for the best home insurance quotes possible. While everyone’s looking for an excellent deal, there’s […]

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Why September is a Crucial Month to Check Your Insurance Coverage

Why September is a Crucial Month to Check Your Insurance Coverage

If you enjoy some late summer or early fall time in Florida, protect yourself with hurricane insurance. September is the bridge between summer and fall: it’s not storm season. Or is it? Statistically speaking, September is actually the worst month for hurricanes and significant storm activity in Florida. It’s time to take a look at […]

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Florida Homeowners

Fall Checklist for Florida Homeowners

Keep your Florida Homeowners Insurance lower this year by taking care of a few simple steps from this Fall Checklist.  Contact your independent insurance agent for questions about your insurance.

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Tampa Floods Emphasize the Importance of Flood Insurance

Tampa Floods Emphasize the Importance of Flood Insurance

Getting flood insurance may not prevent disaster, but it can help you recover. While April showers might bring May flowers, August deluges caused big problems in Tampa in the summer of 2015. From high tides to hurricanes, Florida residents live with water that can sometimes threaten homes. August’s flooding covered roads, caused sinkholes, and damaged […]

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Moving Day Hacks

Moving Day Hacks

Moving day can be one of the most stressful things in life, especially if you’re unorganized. Here are some hacks to make moving easier on you and your family.

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How to Keep a Home Inventory

How To Keep a Home Inventory

From couches to jewelry, your home is full of a lifetime of objects, and each one holds value and memories. If a disaster were to happen, could you remember what’s in your home so that you could be reimbursed for the loss and start to replace these important items? Keeping a home inventory allows you […]

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Renters Insurance in Florida: Do You Have Enough?

Renters Insurance in Florida: Do You Have Enough?

  According to the U.S. Census Bureau, about 30 percent of Floridians choose to rent their homes. Many hope to save up money or get established in their careers before buying a house. Others just enjoy the flexibility of a rental lifestyle. The right choice just depends upon the individuals or family involved.

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7 Hurricane Safety Tips to Keep Your Family Prepared

7 Hurricane Safety Tips to Keep Your Family Prepared

As Floridians, we all know that hurricanes are strong storms that can be life-threatening as well as cause serious property-threatening hazards such as flooding, storm surge, high winds and tornadoes. According to the National Hurricane Center, the 2015 hurricane season in the Atlantic begins June 1st and ends November 30th.

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Engagement Ring Insurance: Does Your Homeowners Insurance Cover it?

Engagement Ring Insurance: Does Your Homeowners Insurance Cover it?

Giving or getting an engagement ring is a major life event. Most couples find themselves extremely busy before and after a wedding. This is a time of planning a wedding, a honeymoon, and a new life together. Still, couples need to take the time to protect their investment in wedding jewelry. For most engaged people, […]

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Florida Homeowner Tips: Things Not To Forget During Spring Cleaning

Florida Homeowner Tips: Things Not To Forget During Spring Cleaning

Think you just cleaned your entire house from top to bottom?  Think again.  If you ever wondered how much homeowners insurance should cost, you might not realize that proper home maintenance can help keep your house safer and might even reduce your Florida homeowners insurance bills. If you already own a home, during your annual […]

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Buying a House- The Best Places to Live in Florida

Buying a House- The Best Places to Live in Florida

It hardly bears saying that buyers shouldn’t take the home-buying process lightly. Not only is it a lot of money to drop, but they’ll need to live and be happy in that home for the next several years at a minimum in order to make it a worthy expenditure. The best way to choose correctly […]

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Buying a House - Florida Homeowners Insurance Risks

Buying a House – Florida Homeowners Insurance Risks

Buying a house is an exciting and stressful life event. New buyers have a lot to consider. Just getting a loan can take weeks. But mortgage payments are not the only costs involved. The location and condition of a new home greatly impacts future costs. This is because of possible repair costs and the price […]

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4 Tips to Choose the Best Homeowners Insurance

4 Tips to Choose the Best Homeowners Insurance

Everybody wants cheap premiums. Folks need good values. Many prices have risen lately. It’s easy to see why families hope to stretch budgets. Looking for cheaper rates might help. But homes are an average family’s most important asset. Owners are welcome to check prices. They should also compare value. The best insurers are around when you need them.

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The 5 Most Important Things to Consider When Buying a House

The 5 Most Important Things to Consider When Buying a House

Buying a house is one of the biggest decisions many people make in their lifetimes. With so much emotional energy, debt, and cold, hard cash on the line, no one wants to make a mistake. Luckily, by taking time to make a solid plan about specific needs and priorities before buying, home buyers can substantially […]

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Buying a House - Florida Homeowners Insurance Risks to Beware

Buying a House – Florida Homeowners Insurance Risks to Beware

This video highlights just a few of the many Florida homeowners insurance risks that shoppers should keep an eye out for when buying a house.  Spotting and addressing these risks will not only protect your investment, but your family as well.

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homeowners insurance

The Dangers of Roofing Scams for Homeowners

As a Florida homeowners insurance company, Southern Oak strives to do everything possible to help customers preserve the value of their property. For local homes, a large part of this effort is spent helping people keep their roofs in good shape. While typical homeowners insurance coverages include insurance for roofs, it is important to find a […]

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Citizens Property Insurance Takeouts Explained

Citizens Property Insurance Takeouts Explained

In 2002, Florida created Citizens Property Insurance as a non-profit, government entity that would cover high-risk properties that private insurers declined. This property could be homes, businesses, and other types of structures that private insurers deemed too risky. While this coverage is mainly funded by premiums, during times of disasters, fund shortages might be funded […]

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Homeowners Insurance Florida - Getting Homeowners Insurance Discounts

Homeowners Insurance Florida – Getting Homeowners Insurance Discounts

In some parts of this state, homeowners insurance is both necessary and expensive. As a Florida homeowners insurance company, the people at Southern Oak would like to let local homeowners know about some practical ways to protect homes and qualify for homeowners insurance credits or discounts. In some cases, these discounts could even be large enough to help pay […]

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Homeowners Insurance Florida - 3 Tips to Shop Smart

Homeowners Insurance Florida – 3 Tips to Shop Smart

It is easy enough to ask independent insurance agents for multiple home insurance quotes. However, besides comparing premiums, it is also important to consider other elements about any Florida homeowners insurance company that might be competing for your business. Understanding homeowners insurance is about more than just comparing prices.  Here are 3 other important factors […]

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Homeowners Insurance Florida - 7 Questions to Ask Your Insurer

Homeowners Insurance Florida – 7 Questions to Ask Your Insurer

Understanding homeowners insurance in this state takes some effort, and that’s why independent insurance agents work to serve their clients by answering questions and providing competitive home insurance quotes. But homeowners need to take responsibility for their choices, and that is why we suggest these seven questions to ask about Florida homeowners insurance.

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Homeowners Insurance Florida - The Most Common Policy Limits

Homeowners Insurance Florida – The Most Common Policy Limits

Even when perils are covered by your home insurance, policies have limits. That means it is very important to make sure you have high enough limits for your building, structures, personal property, and especially, liability. Consider some typical limits for Florida homeowners insurance policies.

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Homeowners Insurance Florida - 4 Basic Types of Insurance Policies

Homeowners Insurance Florida – 4 Basic Types of Insurance Policies

Understanding homeowners insurance means that you should focus on the type of Florida homeowners insurance that you need. There are four basic kinds of home policies, and the right choice depends upon the kind of dwelling that you live in.

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Homeowners Insurance Florida - Understanding What Homeowners Insurance Covers

Homeowners Insurance Florida – Understanding What Homeowners Insurance Covers

The key to understanding Florida homeowners insurance is to understand that basic home policies provide a package of insurance protection for your home with different kinds of coverage inside. These are the different types of insurance to look for inside of your home insurance policy.

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Homeowners Insurance Florida - 2 Reasons You Need Homeowners Insurance

Homeowners Insurance Florida – 2 Reasons You Need Homeowners Insurance

Who needs home insurance? For most families, a home is their most valuable asset. Understanding homeowners insurance is the first step towards protecting it.

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How to Prevent Kitchen Accidents

How to Prevent Kitchen Accidents

November ushers in Thanksgiving, but it also means the beginning of the five months during which the most home fires occur according to Electrical Safety Foundation International. Thanksgiving, Christmas and Christmas Eve statistically see the most fires, and many of these fires plus other accidents happen in the kitchen while you’re cooking up a storm.

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Thanksgiving Travel - Protecting Your Home While You're Away

Thanksgiving Travel – Protecting Your Home While You’re Away

According to travel experts at AAA, 94.5 million people will travel away from home this Thanksgiving, leaving millions of homes susceptible to thieves. While you shouldn’t skip the holiday festivities or miss out on Mom’s pumpkin pie this year, you can take a few simple steps to safeguard your home while you’re away. 

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Home Hazards for House Guests

Home Hazards for House Guests

This holiday season, millions of homeowners will welcome guests for overnight and extended visits.  Young and elderly visitors require lots of extra consideration to keep them safe and many hazards can be easily overlooked.

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Holiday Food Safety

Holiday Food Safety

  As the holidays approach, having the right food safety plans in place can protect your health, save you time and save you money. There are a number of things that can occur during this time, especially in inclement weather. Having the right Florida homeowners insurance policy in place to assist while using the right […]

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How Financially Stable is Your Homeowners Insurance Company?

How Financially Stable is Your Homeowners Insurance Company?

Policy coverage amounts, premiums, deductibles, additional coverage, and customer service ratings are all factors to help consumers choose the right homeowners insurance company for their family’s needs.  Price is often the deciding factor, but more and more families are using Financial Stability Ratings® to sort out cheap homeowners insurance policies from affordable homeowners insurance policies backed […]

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7 Homeowners Insurance Questions to Ask Your Agent

7 Homeowners Insurance Questions to Ask Your Agent

Shopping for homeowners insurance is just as important as shopping for the right home. Besides, “how much is homeowners insurance?” these seven questions and answers should help new and established consumers select good insurance agents who can help them find quality coverage for their own unique needs and budget.

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Autumn Checklist: Simple Home Maintenance Ideas for Fall

Autumn Checklist: Simple Home Maintenance Ideas for Fall

As much as we love summer, we couldn’t be more excited to brace our homes for the winter. Here in Florida we might not get terrible snow or ice storms but there are still some home maintenance tips we can’t forget about. As the air gets cooler and the days grow shorter, we need to […]

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10 Storm Season Facts about Hurricanes

10 Storm Season Facts about Hurricanes

As we are now well into September and as fall begins to set in, hurricane season or hurricane preparedness is probably the furthest thing from your mind. Hurricane season actually started on the first of June and will run right up until the end of November when storm season comes to an end.

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National Preparedness Month - 5 Things Your Family Should Know

National Preparedness Month – 5 Things Your Family Should Know

Is your family safe? One of the most important parts of protecting your family is preparing them for potential emergencies.  As the busiest month of storm season, September is also National Preparedness Month…a time to get informed about potential dangers like natural disasters and learn how to get yourself, your home, and your family ready.  […]

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Making a Disaster Supply Kit

Making a Disaster Supply Kit

In the event of a home emergency or natural disaster, what will your family need to survive for a day?  For multiple days?  For a week?  Now, assuming you have all of those items in your house, how long do you think it would take to go through the house and gather them up?  Unfortunately, […]

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How To Avoid Lawnmower Accidents

How To Avoid Lawnmower Accidents

Because no backyard is complete without a lawn, lawnmower safety is an important component of backyard safety.  According to  the US Consumer Product Safety Commission, more than 60,000 injuries are treated by hospital emergency rooms each year because of unsafe operation of power lawn mowers. Keeping in mind some basic lawnmower safety tips before, during, and after […]

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How to Avoid Grill Accidents

How to Avoid Grill Accidents

According to the NFPA, between 2007-2011, fire departments in the U.S. responded to an average of 8,800 outdoor fires caused by grills which resulted in an average of 10 deaths, 140 injuries, and $196 million in property damages. Grilling on your back deck or patio is a tasty and relaxing way to spend summer evenings […]

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Why Do I Need Renters Insurance?

Why Do I Need Renters Insurance?

A common misconception is that the insurance held by a landlord will cover all of the tenants in a building or house. Unfortunately, this misconception is a primary reason that almost 70% of renters in the United States remain uncovered and are forced to pay out of pocket when their apartments are vandalized, broken into, […]

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How to Keep Your Kids Safe on Backyard Playsets

How to Keep Your Kids Safe on Backyard Playsets

According to the US Consumer Product Safety Commission (SPSC), more than 600,000 children were injured on playgrounds in 2013.  These injuries are not just occurring on public playgrounds.  In fact, a recent study in the journal Injury Prevention found that injuries to younger children happened more frequently on backyard playsets and overall, those injuries were more […]

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renters insurance

Do I Need Renters Insurance?

A common misconception is that the insurance held by a landlord will cover all of the tenants in a building or house. Unfortunately, this misconception is a primary reason that almost 70% of renters in the United States remain uncovered and are forced to pay out of pocket when their apartments are vandalized, broken into, […]

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What’s Hiding in Your Closets?

What’s Hiding in Your Closets?

Our natural inclination this time of year is toward “Spring Cleaning.” But many home owners never actually get to really CLEAN their homes in the springtime because they can’t dig out from under all of the clutter. Organizing your home might seem like a daunting task, but with these simple goals and strategies targeting 3 […]

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I am very happy with the prompt and courteous customer service, as well as the rates and coverage.

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