MiddleOak Insurance Company Review

Your guide to MiddleOak Insurance Company.

MiddleOak Insurance Company at a Glance

  • MiddleOak Insurance Company specializes in multi-family insurance for apartments, rental dwellings, and community associations across the country
  • Policies are sold by independent insurance agents
  • Rated A+ (Superior) by A.M. Best

MiddleOak Pros: MiddleOak is rated A+ by A.M. Best. The company specializes in the niche market it serves, allowing it to provide superior expertise and service. Policies are marketed exclusively through independent insurance agents, and the company provides an online Find an Agent tool to help customers connect with a local agent.

MiddleOak Cons: MiddleOak has an outdated and difficult to navigate website that does not appropriately represent the company’s experience, expertise, and longevity. Customer satisfaction reviews are not available.

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does MiddleOak Offer?

MiddleOak Insurance Company specializes in multi-family insurance for apartments, rental dwellings, and community associations across the country.

Apartments/Multi-family Housing Coverage

  • Apartment Buildings
  • Single & 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. 

What to Know About MiddleOak

MiddleOak Insurance Company is a specialty insurer providing property and casualty insurance for apartments/multi-family housing units, rental dwellings, and community associations.

MiddleOak is a subsidiary of Country Financial, and is one of the oldest insurance companies in the United States. It was founded in 1845 under the name Holyoak Mutual Insurance. In 2006, Holyoak Mutual Insurance merged with Middlesex Mutual Assurance to form MiddleOak Insurance Company.

MiddleOak is headquartered in Salem, MA, and Middletown, CT.

As a subsidiary of Country Financial Group, MiddleOak is rated A+ (Superior) by A.M. Best. A.M. Best is a credit rating firm that assesses the creditworthiness of and/or reports on over 16,000 insurance companies worldwide. The A.M. Best rating points to the insurance company’s ability to pay claims, debts, and other financial obligations in a timely manner. Customers can expect that MiddleOak has the necessary cash reserves to pay out claims, an essential factor in evaluating any insurance company before purchasing a policy.

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What Discounts Does MiddleOak Offer?

MiddleOak offers a 7% credit for customers who install MiddleOak approved stove top fire suppression devices.

MiddleOak Customer Service

Customers can contact MiddleOak in the following ways:

  • Online fillable form
  • Phone contact or regular mail
  • 24/7 claims reporting by phone, email, online, or via mobile app
  • Customer service hours restrictions are not provided


Hours 


Monday-Friday Not specified

MiddleOak encourages customers to seek quotes and service from a local independent insurance agent.

MiddleOak FAQ

What is MiddleOak’s average claim response time frame?

MiddleOak does not specify an average claim response time. Customers who report their claims online will receive next business day contact.

What is MiddleOak’s customer service availability?

MiddleOak customer service can be contacted by phone or regular mail. Customer service hours restrictions are not specified. The website provides a detailed online fillable form.

MiddleOak encourages customers to seek quotes and service via an independent insurance agent.

What is MiddleOak’s claims process?

MiddleOak works with independent insurance agents to ensure a fast, convenient, and hassle-free claims experience.

If this you have an emergency claim or you require immediate assistance, you can contact the company’s 24 hour claims service center, or send an email. For next business day contact, you can report your claim online. The company provides a detailed online fillable form for both property claims and premises injury claims.

MiddleOak also provides a mobile app for reporting claims.

Does MiddleOak create a user-friendly experience for customers?

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.

The company also provides a mobile app that can be used to report claims.

Does MiddleOak have good multi-family housing insurance?

MiddleOak’s 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 helps prevent 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.

Is MiddleOak a good insurance company?

MiddleOak serves a very limited market, but has a great deal of expertise in the market that it serves. MiddleOak is a subsidiary of one of the largest insurance companies in the U.S., and enjoys a very high rating from A.M. Best. Its expertise in its specific industry makes it a good option for the types of customers that it serves.

MiddleOak Customer Reviews

There are no customer reviews available for MiddleOak.

TrustedChoice.com's Final Review

We award MiddleOak 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 it’s A+ rating from A.M. 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 the lack of customer reviews. If you need the type of insurance coverage offered by MiddleOak, we recommend discussing it with your independent insurance agent and calling MiddleOak for more information.

You can also use our online insurance company directory. It can help you find the best insurance companies that specialize in your specific coverage needs.

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