I needed a new home insurance company after Sunshine State closed it's doors in Florida and I was suddenly left with less coverage and a higher rate with another carrier without very much help from my agent. After comparing a few home insurance carriers I chose Southern Oak Insurance. They were extremely helpful in explaining my coverages and making sure I had what I needed. Their rate was comparable to the other carriers, but after doing the research, Southern Oak gave me greater peace of mind that they would be there if something did happen to my home and I needed them. I recommend Southern Oak to all of my family and friends and I've even got a renters policy with them as well. When I had questions about my policy prior to Hurricane Irma, I was able to speak to a representative immediately who assured me that I had everything I needed to protect my property and my valuables. They are a great company and I highly suggest people look past reviews and make their own determination about what's right for you.