southern oak insurance reviews
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Florida-based Southern Oak Insurance Company specializes in personal residential property insurance. The company is privately owned and operated by Florida residents with offices in Jacksonville, FL.
The strength of Southern Oak is derived from its knowledge and understanding of the Florida Property Insurance Market, with over 100 years of combined experience on the executive team.
We strive to provide exceptional service to our policyholders. Policyholders have access to mySouthernOak, where they can manage their policies, choose electronic delivery of documents, and make payments at their convenience, day or night.
Operating a business in Florida involves more than just providing services, according to Southern Oak. In addition to being active in the Florida community, Southern Oak partners with many Florida charities.
Southern Oak offers homeowners insurance through a network of independent agents throughout the state. Additionally, Southern Oak Insurance’s extensive network of claims professionals ensures that we’re there to help when you need us.
Demotech, Inc. has assigned Southern Oak Insurance Company a Financial Stability Rating® (FSR) of A, Exceptional.
It does not matter the severity of a general economic downturn or deterioration in the insurance cycle, an insurer earning an FSR of A possesses exceptional financial stability in regards to maintaining surplus as regards policyholders at an acceptable level.
In addition, we continue to strengthen our financial position by partnering with reinsurance companies approved by the Florida Department of Insurance and with a Standard & Poor’s Financial Strength Rating of “A-” or “A++”.
What Customer Data Says
This Southern Oak Insurance review will consider customer reviews and average premiums to give you an objective look at how the company compares to Kin. That way, you can make informed decisions in your search for the best home insurance.
Southern Oak Insurance is rated A, Exceptional, by Demotech and aims to offer the “most comprehensive claims service in the state of Florida,” according to its website. The company currently has less than one percent of the Florida homeowners insurance market share.
Southern Oak Insurance vs. Kin based on customer reviews
With more than 300 reviews on Google, Southern Oak Insurance has an average rating of 4.5 out of 5. In the positive reviews, quality policies are cited for lower prices, while in the negative reviews, service is criticized. It is to Southern Oak’s credit that it responds to every negative review in an effort to find a solution.
There are few critical reviews about how claims were handled after a hurricane, but most customers seem to enjoy the company’s service.
Kin has more than 750 customer reviews on Trustpilot and 213 on Google Reviews.. We are committed to making sure that our customers have a voice on open review forums. Our growth is driven by this feedback.
Reviews for us are overwhelmingly positive, with 84 percent giving us five stars. In addition to responding to negative reviews, Southern Oak strives to find an amicable solution. In addition, we make sure policyholders know how to find our claim department information before a storm hits.
TOP 1O REVIEWS
“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 almost pulled the trigger until a friend referred us to Southern Oak Insurance. We gave them a call and immediately felt like we were more than just another potential policyholder. After talking with the agent, we were given a quote for a customized homeowner’s insurance policy that was tailored to our exact needs; not some cookie-cutter policy!
Fast forward two years: We finally had to file a claim due to some minor hurricane damage. We were expecting a bottle-neck due to the amount of storm damage that Florida, as a whole, took but we were amazed when our Agent arranged to have someone come out to assess the damage the very next day. Southern Oak was there for us when we needed them. Our Agent even followed up with us a few weeks later to make sure everything was handled to our standards. Fantastic. What else can I say?”Dan Darty
“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 to call and get an explanation of why and they just said “they we don’t insure houses with solar panels.”Lorenzo Arballo
“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 pleasant to work with. On top of that, when it came time for my policy to renew this August, they reviewed my policy and found there was coverage I did not need and reduced my rate even further. I could not be more pleased with my coverage or with the outstanding customer service I have experienced with Southern Oak.”Woody Blackburn
“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. Their website (portal) is also easy to navigate and finding the information needed is uncomplicated.”Carol Carlson
“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 were looking for ways or reasons to deny the claim. They saw the issue, and wrote a check. I’m a very happy customer.”James Moline
“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 a claim – No damage from Hurricane Sally.
The next day after the Hurricane came through our area. I received a call – that went to voicemail from Southern Oaks to make sure that we were ok and if we needed anything to give them a call.I have Never had an insurance company call me after any storm to see if we were ok.I know it may not be a claim and I can not give my value on that.
But what insurance calls to see if my family is ok? I just hope that if I ever have to make a claim – Hopefully never have to – that this customer service extents to the claims part of the service.”Joyce Fett
“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 I had 30 days to re-plumb my entire house. A friend referred me to Southern Oak and they were way more reasonable with expectations. They gave me an actual reasonable amount of time to update my new home. When I refinanced, my new mortgage company forgot to pay them (newrez, and they are terrible) but SouthernOak contacted me and gave me plenty of time to fix the issue. At one point in time I filed a roof claim and they were very responsive. The process took about 1 1/2 which is very common. They always had the portal updated so I always knew what was going on with my claim, followed up on everything I needed, and made the entire process painless. I am very happy to be with them and will continue as long as I can.”Nicole Ellis
“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 damages so I can contact immediately as required. They seem to be a serious company and their insurance premiums are quite affordable and competitive.”Marta Zakrajšek
“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.”Dan Cureton
“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.”Lyn Barrie
“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.”jeanette gordon