---
title: Southern Oak Insurance Company  | Insurance 101 (2)
description: Insurance 101 | Tips on family safety in and around the home, as well as educational information on Florida homeowners insurance. (2)
---

[![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 - 7 Questions to Ask Your Insurer](https://blog.southernoak.com/homeowners-insurance-florida-7-questions-to-ask-your-insurer)

 Feb 4, 2015 8:17:00 PM |

[0 Comments](https://blog.southernoak.com/homeowners-insurance-florida-7-questions-to-ask-your-insurer#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-2421928547.jpg)](https://blog.southernoak.com/homeowners-insurance-florida-7-questions-to-ask-your-insurer)

Understanding homeowners insurance in this state takes some effort, and that's why independent insurance agents work to serve their clients by answering questions and providing competitive home insurance quotes. But homeowners need to take responsibility for their choices, and that is why we suggest these seven questions to ask about Florida homeowners insurance.

[Read More»](https://blog.southernoak.com/homeowners-insurance-florida-7-questions-to-ask-your-insurer)

# [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)

# [7 Homeowners Insurance Questions to Ask Your Agent](https://blog.southernoak.com/7-homeowners-insurance-questions-to-ask-your-agent)

 Oct 21, 2014 12:46:28 PM |

[0 Comments](https://blog.southernoak.com/7-homeowners-insurance-questions-to-ask-your-agent#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-1757966097.jpg)](https://blog.southernoak.com/7-homeowners-insurance-questions-to-ask-your-agent)

Shopping for homeowners insurance is just as important as shopping for the right home. Besides, "how much is homeowners insurance?" these seven questions and answers should help new and established consumers select good insurance agents who can help them find quality coverage for their own unique needs and budget.

[Read More»](https://blog.southernoak.com/7-homeowners-insurance-questions-to-ask-your-agent)

# [How Financially Stable is Your Homeowners Insurance Company?](https://blog.southernoak.com/how-financially-stable-is-your-homeowners-insurance-company)

 Oct 21, 2014 12:45:00 PM |

[0 Comments](https://blog.southernoak.com/how-financially-stable-is-your-homeowners-insurance-company#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-1725476843.jpg)](https://blog.southernoak.com/how-financially-stable-is-your-homeowners-insurance-company)

Policy coverage amounts, premiums, deductibles, additional coverages, and customer service ratings are all factors to help consumers choose the right homeowners insurance company for their family’s needs.  Price is often the deciding factor, but more and more families are using Financial Stability Ratings® to sort out cheap homeowners insurance policies from affordable homeowners insurance policies backed by financially sound companies.

[Read More»](https://blog.southernoak.com/how-financially-stable-is-your-homeowners-insurance-company)

# [Why Do I Need Flood Insurance](https://blog.southernoak.com/why-do-i-need-flood-insurance)

 Jul 31, 2014 12:53:27 PM |

[0 Comments](https://blog.southernoak.com/why-do-i-need-flood-insurance#comments-listing)

| Category: [Flood Insurance](https://blog.southernoak.com/topic/flood-insurance), [Insurance 101](https://blog.southernoak.com/topic/insurance-101), [Policy Add Ons](https://blog.southernoak.com/topic/policy-add-ons)

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

[![](https://blog.southernoak.com/hs-fs/hub/356017/file-1354476119.jpg)](https://blog.southernoak.com/why-do-i-need-flood-insurance)

Flooding is the #1 ranked natural disaster in the country and yet there are ***3 common misconceptions*** about flood insurance that permeate in the United States.

[Read More»](https://blog.southernoak.com/why-do-i-need-flood-insurance)

[Previous](https://blog.southernoak.com/topic/insurance-101/page/1) [All posts](https://blog.southernoak.com/all) [Next](https://blog.southernoak.com/topic/insurance-101/page/3)

[![](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/)**