Middlesex Mutual Assurance Company

Middlesex Mutual Assurance Company provides insurance coverage to individuals and businesses to clients located in the eastern United States. It was founded in 1836 and operates under the MiddleOak brand to provide among other products, the Flood Insurance. Other products offered are: Auto, Home, Fire, and Umbrella insurance.

Flood Insurance

This policy is offered under the federal flood insurance through Write your own Program, this means all policies are financially backed by the federal government and the insurance companies offered the insurance must adhere to rules and regulations of the programme. Policies/Plans may also be written directly by the National Flood Insurance Program, but buying an insurance cover under the insurance companies helps the insurance policies to be given by the insurance company with ease, and also helps the clients to expand their range of coverage and services. To be eligible, your community need to be participating in the National Flood Insurance Program. The program is available for residential and commercial buildings and can also be purchased by renters. The flood insurance is intended to cover for damages caused by floods that your Homeowner’s policy couldn’t provide. Although the Flood insurance is given under the Federal Emergency Management Agency (FEMA), a flood doesn’t need to be declared disaster by the federal government to get compensation. Additionally, you are reimbursed for your losses in full without paying back.

Middlesex Mutual Assurance Company sells its policies though agents who are located in different parts of the country. The agents are mostly leaders in flood insurance policies that have vast knowledge and expertise in a particular region. The agents not only sells the cover to you, but also advise your on the best coverage for your property. They also help you make changes to your policy and to contact the insurance company for any claims or complaints.

Its is licensed to to write federal flood insurance in the following states: Wisconsin, West Virginia, Vermont, Tennessee, Pennsylvania, Ohio, New York, New Hampshire, Michigan, Massachusetts, Maryland, Maine, Kentucky, Iowa, Indiana, Illinois, District of Columbia (DC), Delaware, Connecticut. The Company has also formed an alliance with Country Insurance and Financial Services to allow the company spread to other regions and states to increase its financial strength, resources and knowledge.

Middlesex Mutual Assurance Company will compensate you for direct physical loss of your property due to flooding only if you have paid the correct premium, and met the terms and conditions. The company also requires you to furnish the them with accurate information and statements about yourself and your property to help them deliver the claims to you after a loss. You can contact the company, (800) 759-8656 or log on to their website at: www.middleoak.com or www.middleoakspeciality.com. The company is physically located in St. Middletown, CT in the U.S.