About Southern Oak Insurance Company
Southern Oak Insurance Company is a privately held, Florida-owned homeowners insurer founded in 2004, based in Ponte Vedra Beach with home offices in Jacksonville. The company focuses on personal residential property coverage for Florida homeowners, condo owners, and renters, with an executive team drawing on decades of combined experience in the state's property insurance market. Southern Oak also participates in the National Flood Insurance Program, with NFIP flood claims handled through a separate flood claims line from its homeowners claims operation.
Lines of Business
Southern Oak Insurance Company quick facts
| Financial strength rating | A (Exceptional) Financial Stability Rating from Demotech, affirmed September 14, 2026. Source: Demotech, Rating Information Disclosure Form (opens in a new tab); Demotech, Financial Stability Rating definitions (opens in a new tab). Checked October 14, 2026. |
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| NAIC company code | 12247 (Southern Oak Insurance Company) Source: Florida OIR, Examination Report of Southern Oak Insurance Company as of Dec. 31, 2022 (opens in a new tab). Checked October 14, 2026. |
| Home state (domicile) | Florida. Incorporated in Florida and licensed only in Florida. Source: Florida OIR, Examination Report of Southern Oak Insurance Company as of Dec. 31, 2022 (opens in a new tab). Checked October 14, 2026. |
| In Florida since | Incorporated in Florida on November 30, 2004; began business on December 1, 2004. Source: Florida OIR, Examination Report of Southern Oak Insurance Company as of Dec. 31, 2022 (opens in a new tab). Checked October 14, 2026. |
| Citizens takeouts | Yes. The Florida Office of Insurance Regulation approved Southern Oak to take policies out of Citizens from 2013 through 2020 and again from 2023, most recently on July 17, 2026 (assumption dates October 20, November 17 and December 15, 2026). Source: Florida OIR, Take-Out Companies (opens in a new tab); Florida OIR, 2013 Take-Out Summary (opens in a new tab); Florida OIR, 2020 Take-Out Summary (opens in a new tab). Checked October 14, 2026. |
| How to report a claim | By phone at 877-900-2280 or with the online claim form. NFIP flood claims go to 800-725-9472. Source: Southern Oak, Filing a claim (opens in a new tab). Checked October 14, 2026. |
Ratings and Citizens takeout approvals change. Each fact links to the regulator, rating agency or carrier page we checked it on.
Getting a Southern Oak Insurance Company quote in Florida
Tell us what you need covered and we'll quote Southern Oak Insurance Company alongside our other carriers, then walk you through the differences in price and coverage. Southern Oak Insurance Company makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
Southern Oak Insurance Company questions
Can Magnuson Insurance quote Southern Oak Insurance Company?
Yes. Magnuson Insurance, an independent agency in Lakeland, Florida, can quote Southern Oak Insurance Company for homeowners, renters, condo owners, and landlord coverage and compare it side by side with the other carriers we work with. Southern Oak Insurance Company makes the final underwriting and pricing decision, and coverage can't be bound or changed through this website.
What is Southern Oak Insurance Company's claims phone number?
Report a claim to Southern Oak Insurance Company at 877-900-2280. If you're a Magnuson Insurance customer, you can also call us at (863) 606-5147 during office hours (Monday to Friday, 9:00am to 4:30pm) and we'll help you report it and follow up.
How do I pay my Southern Oak Insurance Company bill?
Southern Oak Insurance Company bills its policyholders directly, so pay through Southern Oak Insurance Company's online payment page (linked on this page) or the phone number on your bill. Magnuson Insurance's own Make a Payment page is only for invoices the agency sends you, such as broker fees.
Florida insurance guides
Magnuson Insurance is an independent agency licensed by the Florida Department of Financial Services (agency license L104700). Southern Oak Insurance Company's name and logo are its trademarks. Claims numbers and links are Southern Oak Insurance Company's own; your policy documents have the final word. Last updated October 7, 2026.