Southern Oak Insurance Company is a Florida-based insurance company specializing in personal residential property coverage. It is a privately held company wholly owned and operated by Florida residents with home offices in Jacksonville, FL. The core strength of Southern Oak is its knowledge and understanding of the Florida Property Insurance Market with members of its executive team having over 100 years of insurance experience.

We are committed to providing policyholders with exceptional service. Our policyholders have the ability to log into mySouthernOak where they can manage their policies, choose electronic delivery of documents, and make payments at their convenience, anytime day or night.

Southern Oak believes that operating a business in Florida is more than just providing services. Southern Oak is an active member of the Florida community while also partnering with many Florida charities.

Southern Oak provides homeowners coverage through a statewide network of independent agents. Additionally, our extensive network of experienced claims professionals ensures that Southern Oak Insurance will be there when you need us most.

Southern Oak Insurance Company has been assigned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc. Regardless of the severity of a general economic downturn or deterioration in the insurance cycle, insurers earning a FSR of A possess exceptional financial stability related to maintaining surplus as regards policyholders at an acceptable level. Our financial position is further strengthened by reinsurance companies approved by the Florida Department of Insurance, and with an A.M. Best Financial Strength Rating between “A-“ and “A++”.

Pleasant experience


Obtaining home insurance through Southern Oak was a very smooth transaction

–Sergio G.













Get a quote fast using our simple online form. It only takes a few minutes to complete and get your quote.


MySouthernOak offers convenient,
online services for members to:

More Families Choose Southern Oak Homeowners Insurance

  • Our Solid Financial Stability
  • Proven Claims Service History
  • MySouthernOak.com

What Our Policyholders Are Saying

All has gone very well

All has gone very well with no difficulties getting coverage at a good price.

Ronald D.

My agent has been helpful

My agent has been helpful and easy to connect with. –Rachael F.

Very happy

Very happy! I referred a customer and they are now with Southern Oak.

–Yasmine A.

They take the time

They took the time to explain all the options and different levels of coverage. –Kathie H.

I am very happy with them so far

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

–Holly D.


MySouthernOak offers convenient,
online services for members to: