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MiddleOak Insurance Summary
MiddleOak Insurance is the trade name of two underwriting companies, Holyoke Mutual Insurance in Salem, Massachusetts, and Middlesex Mutual Assurance in Middletown, Connecticut. Both are part of the COUNTRY Insurance and Financial Group headquartered in Illinois.
Many insurance groups operate in this way because these smaller entities can offer better service and do a better job of maintaining rates than large subdivisions companies. In MiddleOak’s case, the two subdivisions grew out of companies that started in the mid-nineteenth century and had built an established clientele by the time COUNTRY made them a part of its group.
Although MiddleOak is a registered trademark, you won’t find the name listed as a licensed insurance company. The licenses are held under Middlesex and Holyoke. For that reason, this review will provide information on the two companies under those names.
Holyoke Mutual—AZ, AR, CO, CT, GA, ID, IL, ME, MA, MN, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OR, RI, SC, SD, TX, UT, VT, WA, WY.
Middlesex Mutual—CT, DE, DC, IL, IN, IA, KY, ME, MD, MA, MI, NH, NY, OH, PA, TN, VT, WV, WI.
Note: Although the two overlap markets to cover most of the continental U.S., neither company is licensed in Alaska, Hawaii, or California.
Available in most New England States.
Auto Insurance—Standard coverages such as liability, property damage, and bodily injury are available. Extended coverages include reparation benefits for loss of wages, personal injury protection, or funeral expenses.
Homeowners Insurance—Standard coverages are available with a good list of extended benefits.
Specialties—The MiddleOak companies also offer flood, yacht, and personal umbrella policies in certain states. These typically are attached to an existing auto or home policy.
Nationally, MiddleOak has built its reputation on insurance for apartment, multifamily, and condominium complexes, and for the community associations that are generally connected to such complexes.
In these areas, their rates and expertise are definitely a benchmark. The variety of optional coverages above standard liability for associations and cooperatives is difficult to beat in the private insurance market.
MiddleOak Insurance Rates
The company’s website does not offer an online quoting option. All quotations for price must be done through an independent agent, but MiddleOak does provide an agent search engine online.
Auto, property, and premises injury claims can be initiated online. However, online claims are handled on a “next business day” basis. For emergencies, clients can contact the service center 24 hours per day at 800-225-2533 or email firstname.lastname@example.org.
Holyoke Mutual Insurance is rated A+ by the Better Business Bureau with just zero complaints in the last three years.
Middlesex Mutual Assurance is also rated A+ by the Better Business Bureau with just one product/service complaint in the last three years.
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MiddleOak prices competitively for its personal line products, but is not likely to be the lowest-priced competitor for commercial products. However, MiddleOak’s commercial policies often offer more value because of the breadth of coverage for individual perils and circumstances, so a thorough comparison before making a decision is advisable.
For a list of companies that we recommend, visit our Best Insurance Companies page.