home insurance company review

Southern Oak Insurance Review: What Customer Data Says

This Southern Oak Insurance review will consider customer reviews, NAIC complaint scores, 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 on Customer Reviews

Southern Oak Insurance has more than 300 Google Reviews and has an average rating of 4.5 out of 5. The good reviews cite better quality policies for lower prices while negative reviews report “terrible service” and the inability to properly underwrite the home. To Southern Oak's credit, it does respond to every negative review in an effort to find a solution.

One review from two years ago praises the company for reaching out before an impending hurricane. However, another review just a year ago (after Hurricane Irma) cites a poor claims experience. Overall, most customers seem to enjoy the company's service, but there seems to be some dissatisfaction with how claims are handled, particularly after a hurricane. 

By contrast, Kin has more than 750 customer reviews on Trustpilot and 213 on Google Reviews. We work hard to make sure our customers know that we want their opinions heard on open review forums. This is how we learn and grow. Our reviews are overwhelmingly strong with 84 percent giving us a five stars. Like Southern Oak, we also make a point to respond to negative reviews to find an agreeable solution. We also reach out to policyholders before a storm approaches so they can easily find our claim department's information.

southern oak review average

Bottom line: Being prepared for major disasters starts with communication and ends with exceptional claims service. This is where Kin shines.

Southern Oak Insurance Complaint Score

The National Association of Insurance Commissioners’ (NAIC) maintains a Complaint Index to compare companies based on complaints and market share. That way you can compare apples to apples without the data skewing in favor of big companies.

The Complaint Index's national median is 1, which represents a "normal" amount of complaints for a company based on its size. A score of 2 means the company experiences twice as many complaints, and so on.

In 2019, Southern Oak Insurance had a score of 3.56 – more than three and a half times the number of expected complaints for a company of its size. This is based on 28 complaints and $83 million in premium. Its complaint score has been steady over the previous two years: 3.78 in 2018 and 3.75 in 2017. Of the Florida companies that we've reviewed, a 3.56 is not the highest score we’ve seen, but it's well above the 0 Kin currently maintains.

NAIC complaint score finalSouthern Oak Insurance Average Premium

Premiums in Florida continue to rise as hurricane destruction grows year after year. Florida has some of the highest home insurance premiums in the nation, and the rising costs are a real pain point for most homeowners. It makes sense that Floridians seek out affordable insurance.

Southern Oak Insurance's average premium for a $300k new home is $1,968 a year, about 45 percent more expensive than ours at $1,354. While price is important, it shouldn't be the only deciding factor when shopping for coverage. Customer service and claims service matter, as does the quality of the coverage.

Average Annual Premium Comparison

Value of Home Kin Insurance Southern Oak Insurance
$300k New Build $1,354 $1,968

Remember, the only way to know what you'll pay for coverage is to get a quote. Your premium depends on your home's location, age, construction, maintenance, claims, and other factors. Plus, discounts can play a big role in your ultimate cost.

Southern Oak Insurance Claims

How an insurance company handles claims determines how well they deliver on their promise to customers. After all, getting covered after a loss is the reason folks buy insurance. You can’t make up for a bad claims experience with a great sales process, and the best insurance companies understand this. 

Most of Southern Oak's negative reviews mention a bad claims experience. It also has a 3.56 complain score, suggesting there's more to be desired in some aspect of the company's service. 

As for our claims process, our team is trained for consistency. We check in before and after a major storm just to make sure you're okay. We keep you in the loop throughout a claim so you always know its status. And we rely on technology, like satellite imagery and virtual inspections, to settle claims quickly and fairly. 

We also developed the Managed Repair Network to connect you with thoroughly vetted local and licensed contractors. This ensures your repairs are done professionally and we can ensure the contractors will work within the parameters of your coverage. 

Want to experience better home insurance for yourself? Get a quote from Kin today.

Get the Best Home Insurance from Kin

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