--- title: Do You Have to Accept Your Lender's Homeowners Insurance? description: Find out what you should consider you should look for from insurance carriers to get the best homeowners insurance. image: https://blog.southernoak.com/hubfs/shutterstock_63372583.jpg --- [![Florida Homeowners Insurance - Southern Oak Insurance](https://blog.southernoak.com/hs-fs/file-1316105448-png/layout/logo.png)](http://southernoakins.com) [![](https://blog.southernoak.com/hs-fs/file-1316105483-png/layout/btn_agent_login.png)](https://soi.policyport.com/wps/portal/soiagent/!ut/p/c4/04_SB8K8xLLM9MSSzPy8xBz9CP0os3hnd0cPE3MfAwODQBMjAyM3Z29njwBfIwMLU_2CbEdFAMOiBOg!/) [![](https://blog.southernoak.com/hs-fs/file-1316105478-png/layout/btn_become_agent.png)](http://info.southernoakins.com/florida-homeowners-insurance-agency-appointment-request) [![Facebook](https://blog.southernoak.com/hs-fs/file-1321650047-png/layout/btn_facebook.png)](https://www.facebook.com/SouthernOakIns) [![Twitter](https://blog.southernoak.com/hs-fs/file-1321630027-png/layout/btn_twitter.png)](https://twitter.com/SouthernOakIns) [![LinkedIn](https://blog.southernoak.com/hs-fs/file-1321410970-png/layout/btn_linkedin.png)](http://www.linkedin.com/company/southern-oak-insurance-co) [![Demotech](http://southernoakins.com/wp-content/themes/SouthernInsurance/images/logo_demotech_header.png)](http://www.demotech.com/search_results_fsr.aspx?id=12247&t=2) Call us Today at 877.900.3971 - [Home](http://southernoak.com/) - [About](http://southernoak.com/about-us/) - [Meet the Team](http://southernoak.com/about-us/meet-the-team/) - [Safety Tips](http://southernoak.com/about-us/safety-tips/) - [Policyholder Blog](http://southernoak.com/policyholder-blog/) - [Community](http://southernoak.com/community/) - [Agent Blog](https://blog.southernoak.com) - [Family Emergency Plan](https://info.southernoak.com/free-family-emergency-plan) - [Home Inventory Checklist](https://info.southernoak.com/free-home-inventory-checklist) - [Watch Our Commercial](https://info.southernoak.com/florida_homeowners_insurance_commercial) - [Why Southern Oak?](http://southernoak.com/why-southern-oak/) - [Why More Families Choose Southern Oak](http://southernoak.com/why-more-families-choose-southern-oak/) - [Why More Agents Choose Southern Oak](http://southernoak.com/why-more-agents-choose-southern-oak/) - [Policy Types](http://southernoak.com/policy-types/) - [Homeowner’s Insurance](http://southernoak.com/policy-types/homeowners-insurance/) - [Renter’s Insurance](http://southernoak.com/policy-types/renters-insurance/) - [Rental Dwelling Property Insurance](http://southernoak.com/policy-types/rental-dwelling-property-insurance/) - [Condo Unit Owners Insurance](http://southernoak.com/policy-types/condo-owners-insurance/) - [Policy Add-Ons](http://southernoak.com/policy-types/policy-add-ons/) - [Contact](http://southernoak.com/contact-us/) - [Southern Oak Marketing](http://southernoakmarketing.com/) ![img_main_blog.jpg](https://blog.southernoak.com/hs-fs/file-1322220752-jpg/layout/img_main_blog.jpg?width=694&name=img_main_blog.jpg "img_main_blog.jpg") # [Do You Have to Accept Your Lender's Homeowners Insurance?](https://blog.southernoak.com/do-you-have-to-accept-your-lenders-homeowners-insurance) Apr 22, 2015 8:31:03 AM | Posted by [The Southern Oak Team](https://blog.southernoak.com/author/the-southern-oak-team) | Category: [Homeowner's Insurance](https://blog.southernoak.com/topic/homeowners-insurance) - [Tweet](https://twitter.com/share) Is buying a house stressful? [EstatesDirect.com](https://www.estatesdirect.com/) ran a poll to learn how people felt about it. This poll showed that buying a house gave folks more stress than having a baby. It also ranked more stressful than planning a wedding. This isn't that hard to understand. A lot of work goes into a home purchase. Getting a mortgage and planning a move can be stressful in themselves.  Home buyers also have to find good Florida homeowners insurance. Lenders require insurance. They need to protect their investment. Some lenders even suggest insurance companies. New home buyers might be tempted to take these suggestions. This relieves home buyers of one task and some lenders just want to be helpful. Still, many buyers don't know exactly why lenders make these suggestions. New home buyers are free to shop for their own coverage. Choosing the right policy and insurance company take a lot of stress out of owning a house. [Making a careful choice only makes sense.](http://blog.southernoakins.com/homeowners-insurance-florida-7-questions-to-ask-your-insurer) **Find the Best Homeowners Insurance** **![best homeowners insurance](https://blog.southernoak.com/hs-fs/hubfs/shutterstock_63372583.jpg?width=250&name=shutterstock_63372583.jpg "best homeowners insurance")** Do you want the best Florida homeowners insurance? Consider these factors:  - Finances: All top insurers publish financial ratings on their websites. The better an insurance company's financial stability the more secure your family will be in the event of one or more major storms. - Customer service and billing: New home buyers should look for convenient customer service and billing options.  - Customer satisfaction: Third-party sites publish consumer surveys and reviews. - Local knowledge: Florida is a unique state with unique homeowners insurance. Choosing an insurer based in the state with employees who are Florida residents is a good way to ensure they understand what you're going through. Southern Oak Insurance has a Financial Stability Rating® of A, Exceptional from Demotech and we pride ourself on our intimate knowledge of Florida as a company founded and staffed by Florida residents. We focus on customer service and have partnered with USAA Homeowners Insurance to provide Florida residents with the same level of service USAA is known for nationwide. Our innovative MySouthernOak website is a place customers can login and find policy documentation or make payments at any time.  Just as you visit multiple homes before you make a decision on which is best for your family, be sure to compare multiple insurance companies before deciding which is best to protect your new home. [![Get a Homeowners Insurance Quote Now](https://no-cache.hubspot.com/cta/default/356017/5ba6288e-e384-45c4-bf9b-8b43e5807a22.png)](https://cta-redirect.hubspot.com/cta/redirect/356017/5ba6288e-e384-45c4-bf9b-8b43e5807a22) [![](https://blog.southernoak.com/hs-fs/file-1317411786-png/layout/btn_find_agent.png)](http://southernoakins.com/find-an-agent/) Get a quote **fast** using our **simple** online form. It only takes a few minutes to complete and get your quote. [![](https://blog.southernoak.com/hs-fs/file-1317421821-png/layout/btn_start_now.png)](http://southernoakins.com/get-an-instant-quote/) ## POLICYHOLDERS [![](https://blog.southernoak.com/hs-fs/file-1321830207-png/layout/mysouthernoak.png)](https://tivasoi.bipt.com/insured-web/start/soi/login?execution=e1s1)MySouthernOak offers convenient, online services for members to: - [View Policy & Billing Information](https://tivasoi.bipt.com/insured-web/start/soi/login?execution=e1s1) - [Edit Personal Information](https://tivasoi.bipt.com/insured-web/start/soi/login?execution=e1s1) - [Make a Premium Payment](https://tivasoi.bipt.com/insured-web/start/soi/login?execution=e1s1) [![](http://southernoakins.com/wp-content/uploads/2014/11/Family-Emergency-Plan-CTA.jpg)](http://info.southernoakins.com/free-family-emergency-plan) ### Recent Posts [![Florida Homeowners Insurance Southern Oak](https://blog.southernoak.com/hs-fs/file-1321925472-png/layout/logo_my_fla.png)](http://www.myflorida.com) [![Southern oak Insurance FEMA](https://blog.southernoak.com/hs-fs/file-1316380623-png/layout/logo_fema.png)](http://www.fema.gov) [![Best homeowners insurance](https://blog.southernoak.com/hs-fs/file-1316380628-png/layout/logo_fhcf.png)](http://www.sbafla.com/fhcf/) [![NOAA homeowners insurance florida](https://blog.southernoak.com/hs-fs/file-1316385688-png/layout/logo_noaa.png)](http://www.noaa.gov) [![home insurance florida southern oak insurance](https://blog.southernoak.com/hs-fs/file-1316385693-png/layout/logo_red_cross.png)](http://www.redcross.org/fl/jacksonville) [About Us](http://southernoakins.com/about-us/) | [Why Southern Oak?](http://southernoakins.com/why-southern-oak/) | [Policy Types](http://southernoakins.com/policy-types/) | [Community](http://southernoakins.com/community/) | [Contact Us](http://southernoakins.com/contact-us/) | [Privacy Policy](http://southernoakins.com/privacy-policy/) © Southern Oak Insurance Company 2014. All rights reserved. **[MySouthernOak](https://soi.policyport.com/insured-web/start/soi/login?execution=e1s1) | [Find an Agent](http://southernoakins.com/find-an-agent/) | [Get an Instant Quote](http://southernoakins.com/get-an-instant-quote/)**