Florida personal residential property is all Southern Oak writes, and it has stayed that way since the company formed in 2004 as a privately held, Florida-owned carrier. You can place homeowners, renters, rental dwelling, and condo unit owner policies through independent agents, with flood and identity theft coverage available as companion options. Demotech affirmed the company’s Financial Stability Rating of A (Exceptional) on June 19, 2026, and Southern Oak carries no AM Best rating, which is standard for Florida-domiciled residential writers. Claims run through a statewide network of adjusters, and the mySouthernOak portal handles billing, documents, and payments.
