MiddleOak Specialty Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
MiddleOak Specialty's Final Score
2.5 Stars
MiddleOak Specialty is an insurance carrier that provides comprehensive insurance programs for apartments/multi-family housing units, rental dwellings, and community associations in 29 states.
The company offers coverage to a broad array of apartment classifications including market-rate, student, affordable, and independent senior housing. MiddleOak Specialty also offers a similarly comprehensive program for community and homeowners associations.
All products and programs offered through MiddleOak Specialty are rated "A+" or better by AM Best. The company distributes its products through a select group of independent insurance brokers with segment expertise and a strong knowledge of the commercial housing market.
We award MiddleOak Specialty a final rating of 2.5 out of 5 stars. This is based on the carrier’s clear expertise in the market that it serves, along with its A+ rating from AM Best.
The company appears to offer comprehensive policies and numerous resources for apartment/multi-family owners and community associations. It markets its products exclusively through independent insurance agents.
Further evaluation, however, is difficult due to the limited amount of information available and a lack of customer reviews. If you need the type of insurance coverage offered by MiddleOak Specialty, we recommend discussing it with your independent insurance agent and calling MiddleOak for more information.
MiddleOak Specialty Pros and Cons
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MiddleOak Specialty Products
MiddleOak Specialty offers insurance packages for multi-family properties, including apartments, rental dwellings, and community associations in 29 states.
Apartments/Multi-Family Housing Coverage
- Apartment buildings
- Single and multi-family dwellings
- Student housing
- Senior housing (independent living)
- Affordable and public housing
- Mixed apartment/office or apartment/mercantile lessors risk occupancies
- Rental condo units
- Cooperatives
Community Associations Coverage
- Condominium associations
- Homeowner associations
- Seasonal associations
- Secondary associations
- Timeshares
- Planned unit developments
MiddleOak’s coverage options vary by state. An independent insurance agent can help you learn about the coverage that is available in your state.
To find an insurance carrier in your state, you can also use our national insurance company directory to find the best company to meet your needs.
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What Discounts Does MiddleOak Specialty Offer?
MiddleOak Specialty offers the following discounts to its policyholders:
Apartments Discounts
- Age of building discount
- 100% hard-wired smoke detection discount
- Sprinkler system discount
- Central station alarm discount
- Surveillance camera discount
- Stove top fire suppression discount
- Freeze alarm discount
- Complete gut rehab discount
- Smoke-free discount (7% off property premium)
- Designated smoking area discount (3.5% off property premium)
Community Associations Discounts
- Age of building discount
- 100% Hard-wired smoke detection discount
- Sprinkler system discount
- Central station alarm discount
- Surveillance camera discount
- Stove top fire suppression discount
- Freeze alarm discount
An independent insurance agent can help you find all the ways to save with MiddleOak Specialty.
MiddleOak Customer Service
Customers can contact MiddleOak in the following ways:
- Online fillable form
- Phone contact or regular mail
- Claims reporting via email
- Customer service hours restrictions are not provided
| Days | Hours | ||
| Monday-Friday | Not specified |
MiddleOak Specialty encourages customers to seek quotes and service from a local independent insurance agent.
MiddleOak Specialty FAQs
MiddleOak Specialty does not specify an average claim response time.
MiddleOak customer service can be contacted by phone, email, or regular mail. The carrier also provides an online fillable form for customer service inquiries. Customer service hours restrictions are not specified.
MiddleOak Specialty encourages customers to seek quotes and service from an independent insurance agent.
MiddleOak Specialty works with independent insurance agents to ensure a fast, convenient, and hassle-free claims experience.
The website provides an online fillable form for filing claims, but does not provide any further details about the carrier's claims process.
MiddleOak’s website is outdated and difficult to navigate. It provides a minimal amount of information about its products and services, but it does provide a variety of industry resources for its customers.
MiddleOak Specialty provides a comprehensive commercial insurance program designed for apartments and rental properties. The Worlds Apart program covers:
- Apartment buildings
- Single and multi-family dwellings
- Student housing
- Senior housing (independent living)
- Affordable and public housing
- Mixed apartment/office or apartment/mercantile lessors risk occupancies
- Rental condo units
- Cooperatives
MiddleOak’s multi-family housing coverage is flexible:
- Can write all properties on the same policy, including multi-family and apartment buildings
- Select from flexible direct billing options
Apartment owners can customize their coverage with the following options:
- Special perils on a business owners policy format
- Business income coverage
- Comprehensive general liability, including personal injury
- Equipment breakdown coverage
The company also offers a tenant emergency assistance endorsement, which helps tenants who are displaced after a fire and prevents owners from permanently losing tenants after such an event.
This optional enhancement reimburses tenants who are displaced because their units are uninhabitable, following a fire or any covered peril at your apartment building. The coverage applies to a wide range of emergency expenses, for up to $1,000 per unit with no deductible.
MiddleOak Specialty serves a very limited market, but has a great deal of expertise in the market that it serves. MiddleOak enjoys a high rating from AM Best. Its expertise in its specific industry makes it a good option for the types of customers that it serves.
https://www.middleoakspecialty.com