---
title: Southern Oak Insurance Company  (5)
description: Tips on family safety in and around the home, as well as educational information on Florida homeowners insurance. (5)
---

[![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")

# [Homeowners Insurance Florida - 3 Tips to Shop Smart](https://blog.southernoak.com/homeowners-insurance-florida-3-tips-to-shop-smart)

 Feb 4, 2015 8:17:00 PM |

[0 Comments](https://blog.southernoak.com/homeowners-insurance-florida-3-tips-to-shop-smart#comments-listing)

| Category: [Homeowner's Insurance](https://blog.southernoak.com/topic/homeowners-insurance), [Insurance 101](https://blog.southernoak.com/topic/insurance-101)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2414855333.jpg)](https://blog.southernoak.com/homeowners-insurance-florida-3-tips-to-shop-smart)

It is easy enough to ask independent insurance agents for multiple home insurance quotes. However, besides comparing permiums, it is also important to consider other elements about any Florida homeowners insurance company that might be competing for your business. Understanding homeowners insurance is about more than just comparing prices.  Here are 3 other important factors to consider while you shop.

[Read More»](https://blog.southernoak.com/homeowners-insurance-florida-3-tips-to-shop-smart)

# [Homeowners Insurance Florida - The Most Common Policy Limits](https://blog.southernoak.com/homeowners-insurance-florida-the-most-common-policy-limits)

 Feb 4, 2015 8:16:00 PM |

[0 Comments](https://blog.southernoak.com/homeowners-insurance-florida-the-most-common-policy-limits#comments-listing)

| Category: [Homeowner's Insurance](https://blog.southernoak.com/topic/homeowners-insurance), [Insurance 101](https://blog.southernoak.com/topic/insurance-101)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2420341444.jpg)](https://blog.southernoak.com/homeowners-insurance-florida-the-most-common-policy-limits)

Even when perils *are* covered by your home insurance, policies have limits. That means it is very important to make sure you have high enough limits for your building, structures, personal property, and especially, liability. Consider some typical limits for Florida homeowners insurance policies.

[Read More»](https://blog.southernoak.com/homeowners-insurance-florida-the-most-common-policy-limits)

# [Homeowners Insurance Florida - What Perils or Hazards are Covered?](https://blog.southernoak.com/homeowners-insurance-florida-what-perils-or-hazards-are-covered)

 Feb 4, 2015 8:16:00 PM |

[0 Comments](https://blog.southernoak.com/homeowners-insurance-florida-what-perils-or-hazards-are-covered#comments-listing)

| Category: [Homeowner's Insurance](https://blog.southernoak.com/topic/homeowners-insurance), [Insurance 101](https://blog.southernoak.com/topic/insurance-101)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2414514023.jpg)](https://blog.southernoak.com/homeowners-insurance-florida-what-perils-or-hazards-are-covered)

Called perils, hazards, or threats, most Florida homeowners insurance policies either specifically*include* or *exclude* certain kinds of risks. One of the most important keys to understanding homeowners insurance is understanding what risks are or are not covered. The right time to find out is today, and the wrong time to learn about included and excluded perils is after you have to make a claim against your policy.

[Read More»](https://blog.southernoak.com/homeowners-insurance-florida-what-perils-or-hazards-are-covered)

# [Homeowners Insurance Florida - 4 Basic Types of Insurance Policies](https://blog.southernoak.com/homeowners-insurance-florida-4-basic-types-of-insurance-policies)

 Feb 4, 2015 8:15:00 PM |

[0 Comments](https://blog.southernoak.com/homeowners-insurance-florida-4-basic-types-of-insurance-policies#comments-listing)

| Category: [Renter's Insurance](https://blog.southernoak.com/topic/renters-insurance), [Homeowner's Insurance](https://blog.southernoak.com/topic/homeowners-insurance), [Insurance 101](https://blog.southernoak.com/topic/insurance-101)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2418654870.jpg)](https://blog.southernoak.com/homeowners-insurance-florida-4-basic-types-of-insurance-policies)

Understanding homeowners insurance means that you should focus on the type of Florida homeowners insurance that you need. There are four basic kinds of home policies, and the right choice depends upon the kind of dwelling that you live in.

[Read More»](https://blog.southernoak.com/homeowners-insurance-florida-4-basic-types-of-insurance-policies)

# [Homeowners Insurance Florida - Understanding What Homeowners Insurance Covers](https://blog.southernoak.com/homeowners-insurance-florida-understanding-what-homeowners-insurance-covers)

 Feb 4, 2015 8:14:00 PM |

[0 Comments](https://blog.southernoak.com/homeowners-insurance-florida-understanding-what-homeowners-insurance-covers#comments-listing)

| Category: [Homeowner's Insurance](https://blog.southernoak.com/topic/homeowners-insurance), [Insurance 101](https://blog.southernoak.com/topic/insurance-101)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2421083857.jpg)](https://blog.southernoak.com/homeowners-insurance-florida-understanding-what-homeowners-insurance-covers)

The key to understanding Florida homeowners insurance is to understand that basic home policies provide a *package* of insurance protection for your home with different kinds of coverage inside. These are the different types of insurance to look for *inside* of your home insurance policy.

[Read More»](https://blog.southernoak.com/homeowners-insurance-florida-understanding-what-homeowners-insurance-covers)

# [Homeowners Insurance Florida - 2 Reasons You Need Homeowners Insurance](https://blog.southernoak.com/homeowners-insurance-florida-2-reasons-you-need-homeowners-insurance)

 Feb 4, 2015 8:13:00 PM |

[1 Comment](https://blog.southernoak.com/homeowners-insurance-florida-2-reasons-you-need-homeowners-insurance#comments-listing)

| Category: [Homeowner's Insurance](https://blog.southernoak.com/topic/homeowners-insurance), [Insurance 101](https://blog.southernoak.com/topic/insurance-101)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2416356786.jpg)](https://blog.southernoak.com/homeowners-insurance-florida-2-reasons-you-need-homeowners-insurance)

Who needs home insurance? For most families, a home is their most valuable asset. Understanding homeowners insurance is the first step towards protecting it.

[Read More»](https://blog.southernoak.com/homeowners-insurance-florida-2-reasons-you-need-homeowners-insurance)

# [How to Prevent Kitchen Accidents](https://blog.southernoak.com/how-to-prevent-kitchen-accidents)

 Nov 12, 2014 12:46:52 PM |

[0 Comments](https://blog.southernoak.com/how-to-prevent-kitchen-accidents#comments-listing)

| Category: [Kitchen Safety](https://blog.southernoak.com/topic/kitchen-safety), [Home Safety](https://blog.southernoak.com/topic/home-safety)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2068279359.jpg)](https://blog.southernoak.com/how-to-prevent-kitchen-accidents)

November ushers in Thanksgiving, but it also means the beginning of the five months during which the most home fires occur according to Electrical Safety Foundation International. Thanksgiving, Christmas and Christmas Eve statistically see the most fires, and many of these fires plus other accidents happen in the kitchen while you're cooking up a storm.

[Read More»](https://blog.southernoak.com/how-to-prevent-kitchen-accidents)

# [Thanksgiving Travel - Protecting Your Home While You're Away](https://blog.southernoak.com/thanksgiving-travel-protecting-your-home-while-youre-away)

 Nov 12, 2014 12:42:00 PM |

[0 Comments](https://blog.southernoak.com/thanksgiving-travel-protecting-your-home-while-youre-away#comments-listing)

| Category: [Home Maintenance Tips](https://blog.southernoak.com/topic/home-maintenance-tips), [Home Safety](https://blog.southernoak.com/topic/home-safety)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2063460113.jpg)](https://blog.southernoak.com/thanksgiving-travel-protecting-your-home-while-youre-away)

According to travel experts at AAA, 94.5 million people will travel away from home this Thanksgiving, leaving millions of homes susceptible to thieves. While you shouldn't skip the holiday festivities or miss out on Mom's pumpkin pie this year, you can take a few simple steps to safeguard your home while you're away. 

[Read More»](https://blog.southernoak.com/thanksgiving-travel-protecting-your-home-while-youre-away)

# [Home Hazards for House Guests](https://blog.southernoak.com/home-hazards-for-house-guests)

 Nov 12, 2014 12:39:19 PM |

[0 Comments](https://blog.southernoak.com/home-hazards-for-house-guests#comments-listing)

| Category: [Home Safety](https://blog.southernoak.com/topic/home-safety)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2067612030.jpg)](https://blog.southernoak.com/home-hazards-for-house-guests)

This holiday season, millions of homeowners will welcome guests for overnight and extended visits.  Young and elderly visitors require lots of extra consideration to keep them safe and many hazards can be easily overlooked.  <https://southernoakins.hs-sites.com/house-guest-hazards>

[Read More»](https://blog.southernoak.com/home-hazards-for-house-guests)

# [Holiday Food Safety](https://blog.southernoak.com/holiday-food-safety)

 Nov 12, 2014 12:38:56 PM |

[0 Comments](https://blog.southernoak.com/holiday-food-safety#comments-listing)

| Category: [Home Safety](https://blog.southernoak.com/topic/home-safety)

- [Tweet](https://twitter.com/share)

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-2066393811.jpg)](https://blog.southernoak.com/holiday-food-safety)

It's no secret that food poisoning incidents spike during the holidays. But that doesn't mean your family should be one of those statistics this season.  Keep these tips in mind for happy holiday dining.<https://southernoakins.hs-sites.com/holiday-food-safety-tip-sheet>

[Read More»](https://blog.southernoak.com/holiday-food-safety)

[Previous](https://blog.southernoak.com/page/4) [All posts](https://blog.southernoak.com/all) [Next](https://blog.southernoak.com/page/6)

[![](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/)**