What's changed at Southern Oak Insurance

Every update we've tracked for Southern Oak Insurance, newest first. Each one links to the full note.

  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.

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