Southern Oak Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Southern Oak is a Florida-focused personal lines carrier. Publicly verified current materials indicate it writes property products tailored to Florida residents, with visible product offerings for homeowners, renters, condo unit owners, and rental dwelling property, plus flood and optional add-ons. Producer-facing underwriting detail is not publicly posted on a current appetite guide page; instead, Southern Oak directs agents to its agent systems/portal for manuals and forms. Current agent workflow is split by platform: policies issued or renewing before June 1, 2025 remain in PolicyPort under SOI prefixes, while policies issued or renewing June 1, 2025 or later are handled in the New Oak Leaf platform with prefixes such as HS, HP, DF, WO, and MH. Operationally, this suggests submissions and servicing should follow platform/prefix-specific procedures. Practical appetite signals visible on official producer materials and territory updates favor standard Florida habitational risks, especially newer homes and homes with new roofs; one territory manager page states new homes are highly competitive statewide and that the company writes any age home for HO3, HO6, and HO4, while DP3 is 1980 and newer. The same page notes limited water coverage for homes over 40 years old at 5% of Coverage A or $10,000, whichever is greater. Older producer quick-reference material says agents are expected to act as the frontline underwriter, that each property is inspected after issuance to confirm file accuracy, and that current underwriting rules/forms are located in the agent portal manuals/forms section. That same producer sheet referenced broad legacy limits including HO3 minimum Coverage A of $70,000 and maximum $1,000,000, DP3 minimum $70,000 and maximum $500,000, HO6 up to $300,000, with prior approval for Coverage A above $1,000,000 and a premier endorsement available above $750,000; however, because this document is dated 2014, treat these figures as historical unless confirmed in the portal. Public-facing homeowner content highlights optional endorsements/add-ons including identity theft, scheduled personal property, personal property replacement cost, golf cart, animal liability, hurricane screened enclosure, sinkhole optional coverage, sewer/drain backup, and optional flood. No public official page reviewed provided a comprehensive current declination list, county restrictions, or full submission checklist, so restricted/declined classes and detailed geo constraints should be confirmed in the current agent portal/manual before quoting. Broker/producer note: use the agent login page as the verified entry point for current manuals/forms and submission access, and contact underwriting or the listed territory/underwriting staff with guideline questions.