Southern Oak Insurance Company is a Florida-based insurance company specializing in personal residential property coverage. It is a privately held … See more
I have not had any experience with claims, thank God but when I’ve called them, staff have been courteous, helpful and seemed concerned, treating me as a person, not a number
Grabage insurance company they spy on you use Google maps to check out your property and actually have the nerve to tell you what pets you’re allowed to have.They are threatening to pull coverage of my family’s house over a six month old pitbull pup.
They will drive by your house and take zoomed in pictures of the inside of your house then drop your coverage because of the breed of dog that they assume is yours .
A service that is quick to setup on the portal and very easy to use. Company is quick to respond to questions and is there for on going support when needed.
This is a great insurance company. I have had them for years. They are always there when I need them. They have always helped me. I would highly recommend them.
They sent someone out to my home for an exterior inspection with no anoucemnet. He went over our driveway gate, and took picture over the 6’ fence around the side n back of our house. This is striaght up trespassing and the sheriffs office is working on a trespassing case.
I have been pleasantly surprised at this company’s dedication to keep me informed especially when serious events have occurred. Great Insurance Company. Thank you
Requested a simple correction in address, since they had placed the wrong street name, it’s been impossible for them to confirm the change in writing. This is basic, not complicated at all, and they still haven’t been able to confirm. Very disappointed.
Southern Oak saved me Half of what I was paying at another company. My agent was very helpful and patient with me as I found documents needed and so was new to the process.
cancelled my policy. Southern Oaks never notified me, no email no calls. i tried to call and correct. they refuse to write another policy for me. Terrible experience
Our claim was treated by a team of courteous, knowledgeble agents who treated us with respect and processed our claim to our satisfaction in a very prompt manner. We are very happy with our claim results.
Do not ever use this company. First year price was decent. Second year the price went up $800 and they email me ALL the time with the wrong name on the email. They don’t even know who their customers are!!!
Try to rich out for 2 months the agent and I’m still waiting for the company contact me since the ajuster came over , no answer to my call and email, no happy, they do not taking card the costumvres
They got paid then came up with crazy requests. They thought my neighbors house was mine when they came up with them. If you can’t even read street signs I think you have bigger problems with your company/customer service. Go some where else or expect an expensive headache.
Their Customer Service Dept. is very good. I hope I don’t have to use their claims department. However, if I do, I hope they are as effective as the Customer Service Department. I recommend Southern Oaks .
I signed up for this insurance they took my money and sent someone to take pictures of my house. Then they told me that I could not have dogs, horses, goats, to far from fire hydrant, kids, roof was too new. They found every reason to not …
sean is an absolute pleasure! you arent just another file with them. he goes out of his way for that extra mile with you. he remembers your name, any of your situations! if he sees you filed for an accident, he’ll call just to make sure …
Very satisfied with my premium that actually went down this year and with their communication. They have a client portal too which helps. Thank you Southern Oak for giving me peace of mind!!
First the staff the that is there to help you when you have a claim is not knowledgeable about how to file a claim the lady I spoke with had to ask someone else 3 time how to do something and was not pleasant to deal with. I would say on a …
Excellent service, solid financials, we feel they will be here if we need them most, at the time of a claim. Also, great options for additional coverages. Thanks, Southern Oak!
I had a horrible experience with this insurance company in November regarding my homeowners insurance, involving replacement and repairs from a hurricane 2 years ago. I highly do NOT recommend this company as they seem extremely unethical.
I have not had any claims as yet as this is a new policy. However, I am extremely pleased with the obvious knowledge and professionalism of our agent. They are friendly, caring and helpful.
DO NOT HIRE! Paid more to have this company and then they deny the claim. Will do whatever they need to do in order to not pay. You call them and just get the run-around . . . Southern Oak blames the adjuster and the adjuster blames the …
The offered the best price with the best coverage. Customer service answered all the questions I’ve ever had. They haven’t cause any problems with my home or mortgage.
The hurricane hit, they took their sweet time. They came, they looked at the damage, and they did not pay for the repairs. They stated that my deductible vs the cost of the damages did not meet the threshold. I’m not sure I understood what …
Have had to contact several times for various questions. Staff has always been knowledgeable and friendly. Rates are comparable to other companies as far as pricing goes. Would recommend to anyone interested.
Irma hurricane..Paid 17 years No Claims ever needed…Not Good Business…disappointed / exhausted how the the whole thing was handled. I still have nooo resolution to date very said! .. FEMA even called for assist..but have insurance. …
Southern Oak insurance company has been very informative both with customer service and email . During hurricane Irma there were updates and information in case of property damage . Very happy with the cost of my homeowners insurance.
Very responsive insurance company and works with USAA to give you assurance that you are in good hands. Consider Southern Oak Insurance Company, you wi not regret it. Representatives are caring and understand when you have to claim a loss.
I have never needed to place a claim with Southern Oak, but was very pleased to receive emails from them before and after hurricane Irma hit Florida with important and helpful information regarding how to prepare for the hurricane and how to submit a claim. If I ever need to submit a claim, I hope I’ll be able to give it five stars!
I recently received an email notifying me that Southern Oak had conducted a visual inspection of my property. I wasn’t notified prior to the inspection and never provided consent for the inspection. It just so happens this inspection took …
After Hurricane Irma, we had water spots on the ceiling of every room in our 2 bedroom condo except the bathrooms. Water was actively leaking when a neighbor checked the condo for us. In addition, when the power went out, fruit in our …
As a senior citizen of the Destin&Fort Walton Beach area of Florida I have lived through and survived Hurricane Eloise/Hurricane Opal/Hurricane Ivan. Now I have an insurance company established/founded in 2004 by people living on the …
Southern Oaks have always been there for us… during bad weather we het email support. After a huricane they were able to send a inspector tech out and got right on our damages. Helped us thru the stressful process to have a check sent …
Great insurance company. I have two rental properties with Southern Oak. Thru Hurricanes Mathew and Irma, excellent courteous experiences thru the claims for both hurricanes. None of the typical “get three quotes and submit…” Met with adjuster, received check within three weeks.
We just got our policy. We love having a local agent we can talk to. Very comfortable office setting. We haven’t had to file a claim, and I hope we don’t have to. I guess if we do, we will find out how good this policy really is.
Nothing good to say about this company. Have had my premium go up each year, never filed a claim and now I get a Notice of Non-Renewal in the mail stating “The company is reducing its concentration of risk in your area” Give me a break. All of Florida is risky. If I could give this company zero stars I would.
The communication between Southern Oak and other insurance companies we have had in past does not compare. When the recent hurricane passed through our area, while our neighbors were waiting on call backs from their insurance companies, …
Quick response to calls, whether a question or a claim. Settled my Michael Hurricane damage claim in record time and when repairs cost more than estimated, readily paid for their part of the increased amount without question. I plan on being a customer for long term.
Radio commercials had me very scared after Hurricane Irma. Lawyers advertised how insurance companies deny claims / cheat paying customers and state that you’ll need to sue to get what you deserve….the thought of that on top of trying to …
We have used them for several years and the office staff has always been friendly. this was the first time i had to file a claim (property damage) and they acted very quickly to process our request. i was quite impressed.
Great company. Durring recent hurricane they did a fabulous job letting us know they were ready for us at a moment’s notice. Even before the storm hit they sent us information so we would be ready if we needed them. First Class people.
Stay away!!! Finally got a new roof after a year and 3 month battle. Took so long that the roofing patches began to leak and caused further damages inside my home. The inspector looked at it in October. Still can’t get any answers on what …
This is worst insurance company. They try to deny your claim whatever possible way. I had roof leak had damage of wall, carpet etc. They came over after month and told me it is external structure damage after 6 weeks of follow up. When I …
Wonderful option for a provider of residential property insurance in Florida. We have never had to file a claim, but know Southern Oak Insurance Company is helping to protect our home.
BEWARE!!!!!! If I could give this company zero stars I would. I got this insurance when I bought my first home because it was the cheapest available and my husband I are very handy and we figured unless there was a natural disaster we would …
Offered the best insurance rates for the most complete coverage in my area. I have not had to make any claims yet but the buying process was straightforward and easy. Communication has been top notch.
Went with Southern Oak for our first home; Restie and the rest of the team made everything easy. We feel so good knowing that if we ever had to file a claim that their company is local and cares about the community they serve. I would recommend them without hesitation to anyone looking for home insurance.
Not happy with the fact that they waited until 38 days after the closing to say they won’t insure the loan further due to things found on the 4point inspection report that the certified inspectors said was in working order, and only giving …
Upon referral to Southern Oak Insurance we have simplified our Insurance carrier contact, gotten better coverage and a Much better priced policy. Would recommend one takes a look at what they could offer you.
Outstanding policy service that is quick and accurate. The web portal is easy to use. Best feature is no traditional hurricane deductible beyond your normal deductible depending on the type of home you own, that’s a great feature if you live in Florida.
Was in need of a policy to cover my dogs (bully breed). Most companies restrict their criteria based upon breed, but Southern Oak is awesome and realizes that not all dogs are bad no matter the breed. Thank you again I will continue to use …
Moving back to FL and had lots of homeowners coverage questions since FL has become such a hard state to get homeowners coverage in. There are many small companies and none of the big names. We went with Southern Oak and are pleased with …
As of yet I haven’t had to file a claim, but I was put with Southern Oak by USAA since they can’t insure homes in Florida. Southern Oak made the process very easy and the customer service was extremely professional and helpful. I was …
Although i was kind of impressed the first year with them as my home insurance company for being patient and informative, as well as working with me to meet my needs, but now i understand that was only to get me as a customer. Second year …
Received a great quote through them via USAA. Elected to go with them right away did all the paperwork and applications then paid the premiums. Not even a week later they cancelled my policy for non-approved dog breed type. Even though it …
This company is dropping me 1 year to the date of buying my home due to “reducing it’s concentration of risk”. Coincidentally 1 year is all its required to uphold. I have tried multiple times to contact my rep or anyone for the matter with no luck. Very unprofessional and will never use again or recommend to anyone.
Southern Florida’s best value for Homeowners that I have found! Easy to navigate web site and friendly efficient customer service. Hopefully I’ll never need them, but if I do, I have full confidence there will be no issues !
Southern Oak has been my insurance company for many years. I never had an issue with them and I find that their rates are very good. Based on my experience with Southern Oak, there’s no need to look at any other company.
Not Satisfied with the Insurance. Recently I have become very dissapointed. In 5 years I have not filed any claim. Condo apartments is in a very nice developing neighborhood whereas new expensive homes are being built. Suddenly, I receive …
Cancelled our coverage abruptly at the height of hurricane season ostensibly to “limit their risk in our zip code.” Try another more trustworthy carrier instead. …
I had switched from Security First after I had problems with them, and had to use my southern oaks for a claim and they were wonderful to work with. I had a problem with some siding on my house and unfortunately it was not something that …
Paid one year premium in full May 24th. Submitted photos of interior as requested, all plumbing, etc. Our roof in new in 2021, air conditioning system new in 2021. HVAC and water heater are in garage and water heater is 4 years old. …
I just recently signed up with Southern Oak, so no experience with claims at this point. The premium is about half what I was paying with a big name company with better coverage. My home is also in a rural area with acreage which can be a …
After writing me a home insurance policy, they dropped me within three months for a spurious reason, in my case, an old water heater that is located in a detached garage. It is ridiculous. …
We purchased our dream home October 27, 2020 in Marco Island. We paid a year premium up front and had 2 inspections on the property. Since it was the end of the storm season in southwest Florida we even put a binder in place so that any …
I have been with this insurance company for about two years now and it’s the best switch I ever made. They were recommended to me because someone spotted that I was paying too much and they certainly lowered my cost. I have recommended them to all of my homeowner friends and family.
This is a review – not paid – I have not had to make a claim.
I would like to give my personal value on a small part of what Southern Oak insurance values customers. After Hurricane Sally – mind you I have not had to make …
I recently signed up with Southern Oak Insurance and have no claims experience so far. I like about the company sending information via email containing names and phone numbers of companies in my area that I might need in case of hurricane …
I highly recommend Southern Oak Insurance Company. Having dealt with USAA for over 40 years, and then moving to Florida, I knew when they recommended I contact Southern Oak, I knew right away they had to be the top rated company that they …
I have had great experience so far with Southern Oak. No issues, website very user friendly, premium on my homeowners policy is great. Haven’t needed to file any claims so I am not doing 5 stars as claim handling is important, but would give them 4.5 if I could!
I have southern Oaks as my homeowners insurance. I have always had an excellent experience with customer service the agents and the adjuster were very professional and awesome to work with. They were patient and listened to all of my concerns and took great care of me.
*update to this from 11/2020, sadly after such a great experience with actually getting a claim resolved, this company chose to discontinue our policy a few short months later. Very disappointing. removed 2 stars from the original rating …
What an absolutely terrible experience. New owner policy written, a month later, underwriters don’t like pleasure horses and they cancel you! was disclosed in the very beginning and they wasted our time. If you have horses don’t even …
If there was an option for negative stars I would have chosen them. We signed on in March of this year, paying our premium in full. The end of March beginning of April I received notice we were being canceled because of the age of our roof …
Have had Southern Oak coverage for 5 years. Had 1 claim to repair damaged roof due to a hurricane. My experience was surprisingly pleasant. This company is hassle free and I would recommend it as one if the best out there !! Thanks Southern Oak for your professionalism, generosity and dependability!!!
I have been using Southern Oak home insurance for over 5 years. They are always courteous and professional on the phone. The agent quickly reviewed my damage after a hurricane. A good company at a good value.
I highly recommend Southern Oak. some reasons are the easy to use portal for credit card payment options and easy viewing of the policy history of my home. Upon calling I have always been greeted by a courteous, knowledgeable and supportive staff. I feel that they are a good value for the price comparatively speaking.
It’s very easy to give them 5 star reviews. When I first bought my house many years ago I was set up with another insurance company and they were terrible. They never returned my calls. They sent me in the physical mail a letter telling me …
Southern Oak has been my insurance company for quite some time. They are always quick to help whenever I am in need. Very friendly and professional staff.
I do not recommend this company for the following reasons: (1) they are not responsive by phone or email (2) they did not send an inspector to the correct address and questioned whether I was sure it was not my house (3) they would not …
My experience over the last several years as a customer had been that Southern Oak is an excellent insurance company. I have had to make a claim, and they were courteous, responsive, and professional. I never got the impression that they …
Southern Oak Insurance Company offers a professional and responsive representation to clients who are lucky enough to use the company for their insurance needs. Great value, too. I am very happy to insure my house with this company. …
I appreciated the extremely quick response to my recent request. I’ve had no issues in the last 10 years that I’ve used this company. Their rates are reasonable.
Extremely unhappy and disappointed with the lack of customer service and zero accountability. I had no problem getting my questions answered before signing on but now that I need help, no one knows what to do. I need to know I can rely on my insurance company when things go wrong in my home and they have failed to provide that for me.
This company if fine for regular insurance. But if you you want to want to get solar panels or such to better the environment they will drop you with no questions. They just sent us a letter saying that they are cancelling our policy. I Had …
I switched my homeowner’s policy to Southern Oak in August of 2019 after comparing rates and coverages. Southern Oak provided the same coverage for 20+% less than my previous carrier and their people were exceptionally professional and …
I got rental home insurance with Southern Oaks, and the rental home itself, not my mailing address that I recieve mail at, was sent an underwriting cancelation letter after a month, in July. Because i dont live there, i didnt receive said …
I canceled a policy on September 29th 2021. The refund for the unused premium was in excess of $3300. Southern Oak told me a check was mailed on October 5th. On November 5th, I hadn’t received the check. They supposedly stopped payment and …
I do not suggest to any one to use these unprofessional company. I had insurance with Southern Oak through agency for my house which is in good condition with no any problems. The company send their inspector after I had and send them my …
Extremely unhelpful customer service rep that appeared to take joy in the fact that my mortgage company underpaid a policy premium by $90 and now I can’t renew a policy through southern oak. Do not use this company if you value service whatsoever. Terrible CSR.
Completed application and my mortgage company had paid premium. Couple weeks later, I get a notice from Southern Oak in the mail that I needed to submit a form. I had to search their site for the form, sign it, and send it in. A couple …
Completely unprofessional company, I received a notice of cancellation because my agent didn’t submit our signed application. The agent did not respond to repeated calls and messages and when I went to Southern Oak directly all they said is …
Do Not use Southern Oak! Homeowners in Florida is a disaster. But I have near perfect credit, no claims and my premium was paid in full. My mortgage company sends me a letter in December 2021 that I have no insurance and they are purchasing …
Terrible service. It is a marry go round trying to get ahold of anyone and when you do they do not give you accurate information. Before our policy renewal we were told it was no problem and that our mortgage company would handle it and …
Stay clear! $0 ever paid out to me…dual medium impact double insulated windows AND shutters….metal roof 10 yrs old…10ga roof strapping…and they yank the carpet out. Hope they go insolvent on their investors!
After going through our policy with our previous insurer, we realized that our premium was high and had less coverage than that of what a Florida homeowner actually needs. We started to shop around with all the usual big name insurers and …
Update 4/7/2020: Thank you for your assistance. Claim has been fulfilled. Rating updated to reflect. Would have been better had it been an easier process. …
They gave us a good quote then signed us up. Two months later we get a cancelation notice for our puppies that were disclosed at the beginning. Why send out an adjuster that does not know the underwriter standards?
Please do not use. If you need any assistance from them they are going to low ball you and stick to it as long as possible. Never seen an insurance company fight their own clients when they need them the most.
New customer. I wanted minimum content coverage. $116,000 is standard. I gave my agent a letter that she requested to lower my contact coverage. 58,000 is the lowest they’ll let me go. I’ve been asking for weeks How much this will reduce …
Not happy at all with this company. My desk adjuster never gets back with you. My first time home insurance . Went through the hurricane and we can’t seem to to thru our adjuster at all. We need to get our house fix do to the hurricane Ian ..
Yes it’s a shame that you can’t give negative stars to this company Receive a cancelation notice days after the date of the they tell me it’s because of my 5 year old roof and then they tell me it’s because my hot water heater that is out …
Avoid this company, they have more stipulations and hidden clauses than any provider I’ve ever seen. Very slow and poor communication that started with a rude inspector randomly coming by to approve coverage, and they eventually dropped my …
SLOW, NO COMMUNICATION, NO PAY: Now on our fourth desk adjuster from Hurricane Ian loss end of September and no payments since November. Adjuster 2 and 3 did nothing. If adjuster 4 doesn’t do anything in the next 2 weeks, we are filing a complaint with the head of the State of FL Consumer Insurance and going on TV to expose this sham.
The biggest joke of an insurance company I’ve ever seen. They knew exactly how many chickens we had when we signed up. We then find out they cancelled our insurance because we had “hoofed animals” (which we absolutely do not have), and …
When we purchased our home in 12/2020 we were recommended to this company we signed up and we were quoted a great price. We made it about three months into 2021 and received a notice our plan was cancelled red flag number 1, we received a …
We had an issue with our bank’s bill pay not sending Southern Oak the correct information to process our payment. I could not have been happier with the customer service associates Helen, Sophia and Quinetria. They were very helpful and …
I wish This insurance company cared more about their customers and willing to work with them in certain situations. I reached out to southern Oak in Florida in regards to my policy having a cancellation date of 9/23/2022. I was informed …
Good company
Helpful and convenient.
Very satisfied
Great Customer Service
Bad all around!
great pricing.
Awesome company.
Timely, efficient service
Were very helpful
Assish. Ask way too many questions
ALWAYS PROMPT AND ALWAYS PROFESSIONAL.
happy with the care and concern
Never let me down
Highly recommend this company
also great rates!
The cheapest full coverage insurance!!!
Great group to work with.
Awesome people, very professional
Easy website to use!
They work hard for you.
Easy to get quotes.
VERY GOOD
Very helpful, easy to work with.
Good service in a difficult environment
good company great prices
Very courteous and helpful employees
Very pleasant and knowledgeable staff.
Best company in Florida by far!
Great experiences so far!
Very nice company to work with.
Great rates! Saves me money!
roofing claim waS QUICK AND PAINLESS.
Happy with my coverage and my insurance agent..
Customer friendly & informative as well as thorough
Very good company insurance
Excellent insurer, very professional.
Very convenient traits and speedy and efficient service
Great company! Thank you.
Great affordable home insurance.
Agent Chris very accommodating and pleasant.
Great rates, service, and easy to use!
Is very, very hard to get a claim paid by this company.
Great rates, great customer service!
Great company to deal with prices are reasonable.
Extremely poor service! Stay away from this company.
Great coverage and rates, excellent communication.
Too expensive
Very polite & helpful in choosing the policy i needed
good customer relations, and premium paying is easy.
So far they have been awesome.
Great company to deal with, very helpful also.
Great service and protection at reasonable rates.
They are great and have a payment plan for everyone
Great company to have my back and insure my home!!
Took good care of mees they did.
i HAVE A GOOD EXPERIENCE WITH ASOUTHEROAK, AND ALWAYS COURTEOUS AND QUICK RESPONSES
The team at Southern Oak is totally customer centric.
They have been very good so far.
Foul just non renewal after after several years in good standing
very informative and pays attention to my insurance needs.
Very good company recommended by an independant agent.
At every occasion to speak with someone, they are professional, knowledgable, and helpful.
Great service. They make everything very easy.
Four year customer! They respond quickly and are happy to help!
Very professional company. Always willing to help.
My agent, Tara, made the process smooth and easy.
Always good experience with customer service! Very happy!
Very pleased with service. I am a USAA member.
I love this company! Good quality and good value
Terrible experience with this company. I would never recommend them.
We love them! Writing policies through them for years.
Absolutely a great company. Will continue with them.
Southern Oak Insurance provides professional customer service.
Signed up through an agent, competitive prices and prompt sign up procedure
Great insurance, good rates, good customer service
Have not had to make a claim, but I believe the value for the coverage is excellent.
Great insurance company so far per my experience.
Very happy with their services and prices Very helpful and friendly staff.
Second-year customer: I’m pleased with the value and customer service.
Company was very polite and helpful when I had a claim.
Very good company. Customer service is first class.
The staff are knowledgeable and the company’s rates are competitive.
Ggreat rates, extremely competitive. Courteous and professional service. Very responsive.
Everyone I ever spoke to at southern oak have been friendly and very helpful.
Excellent rates and communication. Easy to navigate website. Love this company!
Customer Service is so friendly and helpful. Makes you feel very welcome!!
This company called my cell phone to make sure I had the phone number to call if I had any damage. Very helpful:)
I paid the whole year and this insurance cancelled me after the purchase of my house. WOW
The company identified a potential problem for us and we were able to resolve it and avoid unfortunate problems.
Very good prices , much lower than the competition, and the agent was responsive to my needs and offered good suggestions .
Definitely check your home insurance rates at Southern Oaks it can save you thousands!
Staff is very nice! The agent always takes charge and gets the problem solved.
Courteous, professional, pleasant. Great company and their rates are great too.
Great rate and superb experience so far from the initial quote to acknowledging the policy.
Really well priced policy and easy to reach and communicate with their customer service department.
Had southern oak through state farm,biggest rip off ever, Got a quote at Home Port Insurance, Now I’m saving $1,873.87 every year now.
Changed to southern oak from another provider. Transition was smooth, no problems.
They keep you informed of the insurance world,and stay in touch when the weather gets a little wild.
Very friendly people and the pricing was competitive and the best compared to other companies I checked with.
Had been looking for a good company that talks to me and tell me what is good or not . Very happy
Only work with you if you have an agent contact them and didn’t tell me how to get ahold of an agent
I needed to put in a claim for leaking pipes in the kitchen wall and it was a very easy process. Thank you!
Great company, service, communication. Increased my coverages and still reduced my premium. Thanks Guys!
I highly recommend Southern Oak. They are quick to respond, and are fair. The service team is very friendly and professional.
Agents care about you and provide exceptional customer service. Best value for your money.
When comparing quotes for my house purchase, the customer service was the major factor I considered, and they did not disappoint.
Easy portal, good coverage for a fairly reasonable premium, and efficient communicators so far. I recommend them
I have not had any experience with claims, thank God but when I’ve called them, staff have been courteous, helpful and seemed concerned, treating me as a person, not a number
Excellent Prices, and amazing customer service, im very happy with my insurance
I wanted to report them a fraudulent claim the the told me I was not on the policy’s
One of the best experiences I’ve had with a company even when we were accepted as a customer and after the hurricane Michael
They have provided better overall coverage and at a lower rate. More importantly, they have been very good at communicating and offering free advice.
Southern oak insurance is the worst insurance company I never had .
Everyone has been very straight forward with us since we bought our house and policy. Couldn’t ask for more.
Grabage insurance company they spy on you use Google maps to check out your property and actually have the nerve to tell you what pets you’re allowed to have.They are threatening to pull coverage of my family’s house over a six month old pitbull pup.
Never had any problems, the reps when I called were professional, courteous, and helpful, all is well
They were easy to get a quote from and keep me updated at all times. Very nice staff.
So far, so good! Provided the best policy for my needs. Hopefully, it will be a long and positive relationship.
They will drive by your house and take zoomed in pictures of the inside of your house then drop your coverage because of the breed of dog that they assume is yours .
The Ladies from the Miami office made our transition a breeze. The are professional, very helpful and have great prices.
I was able to set up automatic payments/renewals at an affordable cost, saving me a lot of hassles, no forgotten renewls, etc.
Been using Southern Oaks for a few years. I would highly recommend them.
Professional and easy to work with. I’ve had them for 4 years and 1 claim and was a very positive experience.
I am very happy with the services and professionalism of the Southern Oak Staff. My needs were always met in a timely manner.
I received a quote and policy through Nsure. This was the best price & value I could find for the Tampa, FL area. Great value!!
A service that is quick to setup on the portal and very easy to use. Company is quick to respond to questions and is there for on going support when needed.
This is a great insurance company. I have had them for years. They are always there when I need them. They have always helped me. I would highly recommend them.
They sent someone out to my home for an exterior inspection with no anoucemnet. He went over our driveway gate, and took picture over the 6’ fence around the side n back of our house. This is striaght up trespassing and the sheriffs office is working on a trespassing case.
This is a very professional and excellent value for the coverage! I would recommend them to anyone looking for a good deal in insurance.
The company doesn’t care for their customers as they increased my premium for 500 for no reason. Don’t buy insurance from them.
I have been pleasantly surprised at this company’s dedication to keep me informed especially when serious events have occurred. Great Insurance Company. Thank you
I became a first time home owner on April 2020 and choosing Southern Oak Insurance was a great decision!
I was very pleased with the service and pricing. As an independent insurance agent in another state, I am highly conscious of great customer service!
Very good home owners insurance company in Florida which s a tough market in my opinion.
I was referred by USAA as my home is older.
We had wind damage from hurricane Irma and we got an indemnity check for our roof about 3 weeks later. The process was simple and quick!
Had several important things going on and this company has given me the best service I’ve had each time than any other company I’ve used before.
We’ve had a very positive experience with Southern Oak. Their rates are lower than anywhere else we’ve shopped and the coverage is very comprehensive.
Requested a simple correction in address, since they had placed the wrong street name, it’s been impossible for them to confirm the change in writing. This is basic, not complicated at all, and they still haven’t been able to confirm. Very disappointed.
I’ve had no problems at all. When a hurricane went through they reached out to me to find out if we had any damage and wished to make a claim.
They are very easy to work with. It has been a very
positive experience. I highly recommend Southern
Oak Insurance Company.
Southern Oak saved me Half of what I was paying at another company. My agent was very helpful and patient with me as I found documents needed and so was new to the process.
We have a neutral opinion at this time we’ve been a customer for a little over a year and never had a claim we did experience a rate increase
cancelled my policy. Southern Oaks never notified me, no email no calls. i tried to call and correct. they refuse to write another policy for me. Terrible experience
First time with Southern Oak at my new home. Very pleased with the speed of service & courtesy. Competitive pricing. I would highly recommend.
Our claim was treated by a team of courteous, knowledgeble agents who treated us with respect and processed our claim to our satisfaction in a very prompt manner. We are very happy with our claim results.
Do not ever use this company. First year price was decent. Second year the price went up $800 and they email me ALL the time with the wrong name on the email. They don’t even know who their customers are!!!
Try to rich out for 2 months the agent and I’m still waiting for the company contact me since the ajuster came over , no answer to my call and email, no happy, they do not taking card the costumvres
They got paid then came up with crazy requests. They thought my neighbors house was mine when they came up with them. If you can’t even read street signs I think you have bigger problems with your company/customer service. Go some where else or expect an expensive headache.
Their Customer Service Dept. is very good. I hope I don’t have to use their claims department. However, if I do, I hope they are as effective as the Customer Service Department. I recommend Southern Oaks .
I signed up for this insurance they took my money and sent someone to take pictures of my house. Then they told me that I could not have dogs, horses, goats, to far from fire hydrant, kids, roof was too new. They found every reason to not …
sean is an absolute pleasure! you arent just another file with them. he goes out of his way for that extra mile with you. he remembers your name, any of your situations! if he sees you filed for an accident, he’ll call just to make sure …
Very satisfied with my premium that actually went down this year and with their communication. They have a client portal too which helps. Thank you Southern Oak for giving me peace of mind!!
First the staff the that is there to help you when you have a claim is not knowledgeable about how to file a claim the lady I spoke with had to ask someone else 3 time how to do something and was not pleasant to deal with. I would say on a …
Excellent service, solid financials, we feel they will be here if we need them most, at the time of a claim. Also, great options for additional coverages. Thanks, Southern Oak!
I had a horrible experience with this insurance company in November regarding my homeowners insurance, involving replacement and repairs from a hurricane 2 years ago. I highly do NOT recommend this company as they seem extremely unethical.
I have not had any claims as yet as this is a new policy. However, I am extremely pleased with the obvious knowledge and professionalism of our agent. They are friendly, caring and helpful.
Been a customer for over two years. Their rates are better than others in my area and customer service is outstanding!
DO NOT HIRE! Paid more to have this company and then they deny the claim. Will do whatever they need to do in order to not pay. You call them and just get the run-around . . . Southern Oak blames the adjuster and the adjuster blames the …
The offered the best price with the best coverage. Customer service answered all the questions I’ve ever had. They haven’t cause any problems with my home or mortgage.
The hurricane hit, they took their sweet time. They came, they looked at the damage, and they did not pay for the repairs. They stated that my deductible vs the cost of the damages did not meet the threshold. I’m not sure I understood what …
Have had to contact several times for various questions. Staff has always been knowledgeable and friendly. Rates are comparable to other companies as far as pricing goes. Would recommend to anyone interested.
We’ve been appointed with Southern Oak for a few years now. Always a pleasant experience. Quality company with good leadership and team.
They are very good. Email, Phone, Text always a real person. They are also the most friendly of all the insurances I have spoken with.
Irma hurricane..Paid 17 years No Claims ever needed…Not Good Business…disappointed / exhausted how the the whole thing was handled. I still have nooo resolution to date very said! .. FEMA even called for assist..but have insurance. …
Southern Oak insurance company has been very informative both with customer service and email . During hurricane Irma there were updates and information in case of property damage . Very happy with the cost of my homeowners insurance.
Very responsive insurance company and works with USAA to give you assurance that you are in good hands. Consider Southern Oak Insurance Company, you wi not regret it. Representatives are caring and understand when you have to claim a loss.
Good home owner’s insurance but on the pricey side. Then again, insurance prices have gone up all around.
I have never needed to place a claim with Southern Oak, but was very pleased to receive emails from them before and after hurricane Irma hit Florida with important and helpful information regarding how to prepare for the hurricane and how to submit a claim. If I ever need to submit a claim, I hope I’ll be able to give it five stars!
I recently received an email notifying me that Southern Oak had conducted a visual inspection of my property. I wasn’t notified prior to the inspection and never provided consent for the inspection. It just so happens this inspection took …
After Hurricane Irma, we had water spots on the ceiling of every room in our 2 bedroom condo except the bathrooms. Water was actively leaking when a neighbor checked the condo for us. In addition, when the power went out, fruit in our …
As a senior citizen of the Destin&Fort Walton Beach area of Florida I have lived through and survived Hurricane Eloise/Hurricane Opal/Hurricane Ivan. Now I have an insurance company established/founded in 2004 by people living on the …
Southern Oaks have always been there for us… during bad weather we het email support. After a huricane they were able to send a inspector tech out and got right on our damages. Helped us thru the stressful process to have a check sent …
Great insurance company. I have two rental properties with Southern Oak. Thru Hurricanes Mathew and Irma, excellent courteous experiences thru the claims for both hurricanes. None of the typical “get three quotes and submit…” Met with adjuster, received check within three weeks.
We just got our policy. We love having a local agent we can talk to. Very comfortable office setting. We haven’t had to file a claim, and I hope we don’t have to. I guess if we do, we will find out how good this policy really is.
Nothing good to say about this company. Have had my premium go up each year, never filed a claim and now I get a Notice of Non-Renewal in the mail stating “The company is reducing its concentration of risk in your area” Give me a break. All of Florida is risky. If I could give this company zero stars I would.
The communication between Southern Oak and other insurance companies we have had in past does not compare. When the recent hurricane passed through our area, while our neighbors were waiting on call backs from their insurance companies, …
Quick response to calls, whether a question or a claim. Settled my Michael Hurricane damage claim in record time and when repairs cost more than estimated, readily paid for their part of the increased amount without question. I plan on being a customer for long term.
Radio commercials had me very scared after Hurricane Irma. Lawyers advertised how insurance companies deny claims / cheat paying customers and state that you’ll need to sue to get what you deserve….the thought of that on top of trying to …
We have used them for several years and the office staff has always been friendly. this was the first time i had to file a claim (property damage) and they acted very quickly to process our request. i was quite impressed.
Great company. Durring recent hurricane they did a fabulous job letting us know they were ready for us at a moment’s notice. Even before the storm hit they sent us information so we would be ready if we needed them. First Class people.
Stay away!!! Finally got a new roof after a year and 3 month battle. Took so long that the roofing patches began to leak and caused further damages inside my home. The inspector looked at it in October. Still can’t get any answers on what …
This is worst insurance company. They try to deny your claim whatever possible way. I had roof leak had damage of wall, carpet etc. They came over after month and told me it is external structure damage after 6 weeks of follow up. When I …
Wonderful option for a provider of residential property insurance in Florida. We have never had to file a claim, but know Southern Oak Insurance Company is helping to protect our home.
BEWARE!!!!!! If I could give this company zero stars I would. I got this insurance when I bought my first home because it was the cheapest available and my husband I are very handy and we figured unless there was a natural disaster we would …
Offered the best insurance rates for the most complete coverage in my area. I have not had to make any claims yet but the buying process was straightforward and easy. Communication has been top notch.
Went with Southern Oak for our first home; Restie and the rest of the team made everything easy. We feel so good knowing that if we ever had to file a claim that their company is local and cares about the community they serve. I would recommend them without hesitation to anyone looking for home insurance.
Not happy with the fact that they waited until 38 days after the closing to say they won’t insure the loan further due to things found on the 4point inspection report that the certified inspectors said was in working order, and only giving …
Upon referral to Southern Oak Insurance we have simplified our Insurance carrier contact, gotten better coverage and a Much better priced policy. Would recommend one takes a look at what they could offer you.
Outstanding policy service that is quick and accurate. The web portal is easy to use. Best feature is no traditional hurricane deductible beyond your normal deductible depending on the type of home you own, that’s a great feature if you live in Florida.
Was in need of a policy to cover my dogs (bully breed). Most companies restrict their criteria based upon breed, but Southern Oak is awesome and realizes that not all dogs are bad no matter the breed. Thank you again I will continue to use …
Moving back to FL and had lots of homeowners coverage questions since FL has become such a hard state to get homeowners coverage in. There are many small companies and none of the big names. We went with Southern Oak and are pleased with …
As of yet I haven’t had to file a claim, but I was put with Southern Oak by USAA since they can’t insure homes in Florida. Southern Oak made the process very easy and the customer service was extremely professional and helpful. I was …
Although i was kind of impressed the first year with them as my home insurance company for being patient and informative, as well as working with me to meet my needs, but now i understand that was only to get me as a customer. Second year …
Received a great quote through them via USAA. Elected to go with them right away did all the paperwork and applications then paid the premiums. Not even a week later they cancelled my policy for non-approved dog breed type. Even though it …
This company is dropping me 1 year to the date of buying my home due to “reducing it’s concentration of risk”. Coincidentally 1 year is all its required to uphold. I have tried multiple times to contact my rep or anyone for the matter with no luck. Very unprofessional and will never use again or recommend to anyone.
Southern Florida’s best value for Homeowners that I have found! Easy to navigate web site and friendly efficient customer service. Hopefully I’ll never need them, but if I do, I have full confidence there will be no issues !
Southern Oak has been my insurance company for many years. I never had an issue with them and I find that their rates are very good. Based on my experience with Southern Oak, there’s no need to look at any other company.
Not Satisfied with the Insurance. Recently I have become very dissapointed. In 5 years I have not filed any claim. Condo apartments is in a very nice developing neighborhood whereas new expensive homes are being built. Suddenly, I receive …
Cancelled our coverage abruptly at the height of hurricane season ostensibly to “limit their risk in our zip code.” Try another more trustworthy carrier instead. …
I had switched from Security First after I had problems with them, and had to use my southern oaks for a claim and they were wonderful to work with. I had a problem with some siding on my house and unfortunately it was not something that …
Paid one year premium in full May 24th. Submitted photos of interior as requested, all plumbing, etc. Our roof in new in 2021, air conditioning system new in 2021. HVAC and water heater are in garage and water heater is 4 years old. …
I just recently signed up with Southern Oak, so no experience with claims at this point. The premium is about half what I was paying with a big name company with better coverage. My home is also in a rural area with acreage which can be a …
After writing me a home insurance policy, they dropped me within three months for a spurious reason, in my case, an old water heater that is located in a detached garage. It is ridiculous. …
We purchased our dream home October 27, 2020 in Marco Island. We paid a year premium up front and had 2 inspections on the property. Since it was the end of the storm season in southwest Florida we even put a binder in place so that any …
I have been with this insurance company for about two years now and it’s the best switch I ever made. They were recommended to me because someone spotted that I was paying too much and they certainly lowered my cost. I have recommended them to all of my homeowner friends and family.
This is a review – not paid – I have not had to make a claim.
I would like to give my personal value on a small part of what Southern Oak insurance values customers. After Hurricane Sally – mind you I have not had to make …
I recently signed up with Southern Oak Insurance and have no claims experience so far. I like about the company sending information via email containing names and phone numbers of companies in my area that I might need in case of hurricane …
I highly recommend Southern Oak Insurance Company. Having dealt with USAA for over 40 years, and then moving to Florida, I knew when they recommended I contact Southern Oak, I knew right away they had to be the top rated company that they …
I have had great experience so far with Southern Oak. No issues, website very user friendly, premium on my homeowners policy is great. Haven’t needed to file any claims so I am not doing 5 stars as claim handling is important, but would give them 4.5 if I could!
I have southern Oaks as my homeowners insurance. I have always had an excellent experience with customer service the agents and the adjuster were very professional and awesome to work with. They were patient and listened to all of my concerns and took great care of me.
*update to this from 11/2020, sadly after such a great experience with actually getting a claim resolved, this company chose to discontinue our policy a few short months later. Very disappointing. removed 2 stars from the original rating …
What an absolutely terrible experience. New owner policy written, a month later, underwriters don’t like pleasure horses and they cancel you! was disclosed in the very beginning and they wasted our time. If you have horses don’t even …
If there was an option for negative stars I would have chosen them. We signed on in March of this year, paying our premium in full. The end of March beginning of April I received notice we were being canceled because of the age of our roof …
Have had Southern Oak coverage for 5 years. Had 1 claim to repair damaged roof due to a hurricane. My experience was surprisingly pleasant. This company is hassle free and I would recommend it as one if the best out there !! Thanks Southern Oak for your professionalism, generosity and dependability!!!
I have been using Southern Oak home insurance for over 5 years. They are always courteous and professional on the phone. The agent quickly reviewed my damage after a hurricane. A good company at a good value.
I highly recommend Southern Oak. some reasons are the easy to use portal for credit card payment options and easy viewing of the policy history of my home. Upon calling I have always been greeted by a courteous, knowledgeable and supportive staff. I feel that they are a good value for the price comparatively speaking.
It’s very easy to give them 5 star reviews. When I first bought my house many years ago I was set up with another insurance company and they were terrible. They never returned my calls. They sent me in the physical mail a letter telling me …
Southern Oak has been my insurance company for quite some time. They are always quick to help whenever I am in need. Very friendly and professional staff.
I do not recommend this company for the following reasons: (1) they are not responsive by phone or email (2) they did not send an inspector to the correct address and questioned whether I was sure it was not my house (3) they would not …
My experience over the last several years as a customer had been that Southern Oak is an excellent insurance company. I have had to make a claim, and they were courteous, responsive, and professional. I never got the impression that they …
Southern Oak seems to do business by harassing their customers, then when the customer can’t jump through the hoops, they cancel the policy. …
Southern Oak Insurance Company offers a professional and responsive representation to clients who are lucky enough to use the company for their insurance needs. Great value, too. I am very happy to insure my house with this company. …
I appreciated the extremely quick response to my recent request. I’ve had no issues in the last 10 years that I’ve used this company. Their rates are reasonable.
Extremely unhappy and disappointed with the lack of customer service and zero accountability. I had no problem getting my questions answered before signing on but now that I need help, no one knows what to do. I need to know I can rely on my insurance company when things go wrong in my home and they have failed to provide that for me.
This company if fine for regular insurance. But if you you want to want to get solar panels or such to better the environment they will drop you with no questions. They just sent us a letter saying that they are cancelling our policy. I Had …
I switched my homeowner’s policy to Southern Oak in August of 2019 after comparing rates and coverages. Southern Oak provided the same coverage for 20+% less than my previous carrier and their people were exceptionally professional and …
I got rental home insurance with Southern Oaks, and the rental home itself, not my mailing address that I recieve mail at, was sent an underwriting cancelation letter after a month, in July. Because i dont live there, i didnt receive said …
I canceled a policy on September 29th 2021. The refund for the unused premium was in excess of $3300. Southern Oak told me a check was mailed on October 5th. On November 5th, I hadn’t received the check. They supposedly stopped payment and …
I do not suggest to any one to use these unprofessional company. I had insurance with Southern Oak through agency for my house which is in good condition with no any problems. The company send their inspector after I had and send them my …
Worst insurance company ever, don’t waste your money with this people, I’m pretty surprised that how they are still in business!!
Extremely unhelpful customer service rep that appeared to take joy in the fact that my mortgage company underpaid a policy premium by $90 and now I can’t renew a policy through southern oak. Do not use this company if you value service whatsoever. Terrible CSR.
Completed application and my mortgage company had paid premium. Couple weeks later, I get a notice from Southern Oak in the mail that I needed to submit a form. I had to search their site for the form, sign it, and send it in. A couple …
Don’t waste your money with this company, it’s better to pay a little higher to get insured with a reputable insurance company!!
Completely unprofessional company, I received a notice of cancellation because my agent didn’t submit our signed application. The agent did not respond to repeated calls and messages and when I went to Southern Oak directly all they said is …
Do Not use Southern Oak! Homeowners in Florida is a disaster. But I have near perfect credit, no claims and my premium was paid in full. My mortgage company sends me a letter in December 2021 that I have no insurance and they are purchasing …
Terrible service. It is a marry go round trying to get ahold of anyone and when you do they do not give you accurate information. Before our policy renewal we were told it was no problem and that our mortgage company would handle it and …
Stay clear! $0 ever paid out to me…dual medium impact double insulated windows AND shutters….metal roof 10 yrs old…10ga roof strapping…and they yank the carpet out. Hope they go insolvent on their investors!
After going through our policy with our previous insurer, we realized that our premium was high and had less coverage than that of what a Florida homeowner actually needs. We started to shop around with all the usual big name insurers and …
Update 4/7/2020: Thank you for your assistance. Claim has been fulfilled. Rating updated to reflect. Would have been better had it been an easier process. …
They gave us a good quote then signed us up. Two months later we get a cancelation notice for our puppies that were disclosed at the beginning. Why send out an adjuster that does not know the underwriter standards?
Please do not use. If you need any assistance from them they are going to low ball you and stick to it as long as possible. Never seen an insurance company fight their own clients when they need them the most.
New customer. I wanted minimum content coverage. $116,000 is standard. I gave my agent a letter that she requested to lower my contact coverage. 58,000 is the lowest they’ll let me go. I’ve been asking for weeks How much this will reduce …
Not happy at all with this company. My desk adjuster never gets back with you. My first time home insurance . Went through the hurricane and we can’t seem to to thru our adjuster at all. We need to get our house fix do to the hurricane Ian ..
Yes it’s a shame that you can’t give negative stars to this company Receive a cancelation notice days after the date of the they tell me it’s because of my 5 year old roof and then they tell me it’s because my hot water heater that is out …
Avoid this company, they have more stipulations and hidden clauses than any provider I’ve ever seen. Very slow and poor communication that started with a rude inspector randomly coming by to approve coverage, and they eventually dropped my …
SLOW, NO COMMUNICATION, NO PAY: Now on our fourth desk adjuster from Hurricane Ian loss end of September and no payments since November. Adjuster 2 and 3 did nothing. If adjuster 4 doesn’t do anything in the next 2 weeks, we are filing a complaint with the head of the State of FL Consumer Insurance and going on TV to expose this sham.
The biggest joke of an insurance company I’ve ever seen. They knew exactly how many chickens we had when we signed up. We then find out they cancelled our insurance because we had “hoofed animals” (which we absolutely do not have), and …
When we purchased our home in 12/2020 we were recommended to this company we signed up and we were quoted a great price. We made it about three months into 2021 and received a notice our plan was cancelled red flag number 1, we received a …
We had an issue with our bank’s bill pay not sending Southern Oak the correct information to process our payment. I could not have been happier with the customer service associates Helen, Sophia and Quinetria. They were very helpful and …
I wish This insurance company cared more about their customers and willing to work with them in certain situations. I reached out to southern Oak in Florida in regards to my policy having a cancellation date of 9/23/2022. I was informed …