Southern Oak Home Insurance

Southern Oak Home Insurance Review

Southern Oak Home Insurance is an insurance carrier based in Ponte Vedra Beach, FL. The company was founded in 2004 and offers home insurance in 1 state in the USA.

Southern Oak Home Insurance FAQ

What is the financial strength rating of Southern Oak Home Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

SuperMoney does not have enough data to provide a financial rating for Southern Oak Home Insurance.

What types of coverage does Southern Oak Home Insurance offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Southern Oak Home Insurance offers the following types of home insurance coverage:

Dwelling Coverage:

Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

Guest Medical Protection:

This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

Liability Coverage:

The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Other Structures Coverage:

This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

Personal Property Protection:

This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

Southern Oak Home Insurance customers can also add the following riders or endorsements to their home insurance policies:

Identity Theft Protection:

This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.

Sewage and Drain Backup Coverage:

This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.

Sinkhole Coverage:

Sinkhole insurance provides compensation for damages to home, outlying property and personal belongings if they are damaged by a sinkhole on your property.

What additional benefits does Southern Oak Home Insurance offer?

Southern Oak Home Insurance offers the following benefits to its customers:

24/7 Phone Availability:

Customer service is staffed around the clock.

Local Agents:

Perfect for people who prefer the personal touch of a local insurance agent.