Southern Oak Insurance Company is a Florida-based property insurer, specializing in personal residential property insurance. We provide 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. We are committed to providing policyholders with exceptional service, and our innovative policy and claims processing systems provide your agent and adjuster with the tools to complement their knowledge and experience. Southern Oak holds a Demotech financial stability rating of “A” (Exceptional). Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation) both accept Demotech Financial Stability Ratings of “A” or better. Reinsurance is provided by companies approved by the Florida Department of Insurance, and with an A.M. Best Financial Strength Rating between “A-“ and “A+.