Southern Oak Insurance

Southern Oak Insurance is a private home insurer in Ponte Vedra Beach. It has been licensed since 2004. It sells home, condo, renters, landlord and flood.

You can find it on our list of Florida home insurance companies. Its Florida company code is 03632 and its NAIC number is 12247.

Taking new policiesChecked Oct 19 Home, condo, renters, landlord and flood

Is Southern Oak leaving Florida? No. Its site showed no new business or storm notice on October 9, 2026, and Demotech affirmed its A rating on September 14, 2026. As of Oct 19, 2026. Source: southernoak.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

144,352

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A (Exceptional)

From Demotech, as of Oct 20, 2026

Complaints

NAIC shows no confirmed complaints in 2025.

NAIC, 2025, nationwide, homeowners

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

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What's changed recently

  1. A rating affirmed by Demotech

    Demotech affirmed the Southern Oak rating. It did so on September 14, 2026. The rating is A (Exceptional). It is for financial stability.

  2. New business paused in 10 counties, tighter rules statewide

    Southern Oak cited reinsurance costs. It paused new business in 10 counties, including Broward, Palm Beach, Lee and Monroe. It limited new homes to those worth $250,000 or more and built in 2022 or later.

  3. OIR approves Citizens takeout of up to 10,000 policies

    Florida's OIR approved Southern Oak to take on up to 10,000 multi peril home policies. They would come from Citizens Property Insurance.

  4. Gets its license in Florida

    Southern Oak Insurance Company was formed on November 30, 2004. It got its Florida certificate of authority on December 1, 2004. It began business that same day.

See every Southern Oak Insurance update

Rate history

No rate filings tracked yet.

OIR sample yearly rate for its example home: $2,239 to $11,138 across 67 Florida counties (median $3,989).

The example is a $300,000 masonry home built in 2005. A sample rate is not a quote. Source: Florida Office of Insurance Regulation, CHOICES homeowners rate tool, example 6, read Oct 20, 2026.

Want your Southern Oak Insurance renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

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22 years in Florida

In Florida since 2004. Has paid claims through 13 hurricanes.

200420062008201020122014201620182020202220242026 Ivan (2004 ) Ivan Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Southern Oak Insurance side by side

Southern Oak Insurance side by side with State Farm and Universal Property
Southern Oak Insurance State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 144,352 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index NAIC shows no confirmed complaints in 2025. NAIC, 2025, nationwide, homeowners 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating A (Exceptional) Demotech, Oct 20, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2004 1934 1997

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Questions people ask about Southern Oak Insurance

Is Southern Oak Insurance leaving Florida?No.

Southern Oak is a Florida only insurer, so leaving Florida would mean leaving the business. Its website showed no new business stop or storm hold on October 9, 2026. Demotech affirmed its A rating on September 14, 2026.

Source: southernoak.com, read October 9, 2026; Demotech profile, read October 9, 2026

What is the Southern Oak claims phone number?Call 877-900-2280 for homeowner claims.

You can also file online through the link on the Southern Oak claims page or in the Southern Oak mobile app. NFIP flood claims use a separate line, 800-725-9472.

Source: Southern Oak claims page, read October 9, 2026

Who owns Southern Oak Insurance?Southern Oak Insurance Company is privately held.

It says Florida residents own all of it. OIR's exam report lists the parent as Southern Oak Holding Company. A related agency runs its underwriting and claims. That agency is Southern Oak Management, LLC.

Source: Southern Oak About Us page, read October 9, 2026; OIR exam report as of December 31, 2022

Is Southern Oak admitted in Florida?Yes.

Southern Oak Insurance Company is a Florida domestic insurer. Its NAIC number is 12247. OIR licensed it on December 1, 2004. It is licensed only in Florida. It is an admitted home insurer. So it is covered by the Florida Insurance Guaranty Association.

Source: OIR financial examination report as of December 31, 2022

Is Southern Oak a good company?Public data only: Demotech affirmed its A (Exceptional) Financial Stability Rating on September 14, 2026.

It has insured Florida homes since 2004. Demotech lists its reinsurance use at 30% to 40% of premium. OIR reported surplus of $44.8 million at the end of 2022.

Source: Demotech profile, read October 9, 2026; OIR exam report as of December 31, 2022

Does Southern Oak sell new policies in Florida?Yes.

As of October 9, 2026, its site shows no new business stop. It invites agents to send it new customers. In July 2022 it paused new business in 10 counties. It also set a $250,000 minimum home value and a 2022 or newer build rule. Whether those limits still apply is not public.

Source: southernoak.com, read October 9, 2026; WFTS Tampa Bay 28, July 28, 2022

Still deciding? Let us shop your Southern Oak Insurance renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Southern Oak Insurance reviews and complaints: what the public data shows

Southern Oak Insurance rating

A (Exceptional) from Demotech, as of Oct 20, 2026.

Complaints
NAIC shows no confirmed complaints in 2025. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2004 (22 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.