Country Financial Homeowners Insurance Review 2022

Country Financial offers solid homeowners insurance with useful add-ons, but it’s available in only 19 states.
Apr 27, 2022

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Country Financial may not be one of the biggest or best-known insurance companies in the U.S., but its homeowners policies are worth a look if you live in one of the 19 states where they’re available. Country Financial home insurance has a solid range of coverage options, though you’ll have to speak with a representative to get a policy rather than buying online.

In addition to insurance, Country Financial also sells investment products such as retirement and college savings plans.

Best for: Those who prefer to have a personal conversation when choosing coverage.

Our star ratings are based on consumer complaint data from the National Association of Insurance Commissioners; financial strength grades from AM Best; coverage and discounts available; and the overall consumer experience. See our criteria for evaluating home insurance companies.

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.

Country Financial home insurance pros and cons

Pros

Cons

Received far fewer consumer complaints than expected for a company of its size.

Not available in all states.

Many coverage options available.

Can get an online quote but can only buy by phone.

How Country Financial home insurance rates

4.5

NerdWallet rating 

Country Financial homeowners insurance earned 4.5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

Based on these ratings, Country Financial is among NerdWallet’s Best Home Insurance Companies for 2022.

State availability

Country Financial currently offers homeowners insurance in 19 states.

Country Financial home insurance coverage

Country Financial offers two types of homeowners insurance coverage: a basic option and an upgraded one.

  • Basic insurance protects your home and belongings from various dangers specified in the policy, including theft, fire, smoke damage, falling objects and electrical damage. Damage from any disaster that isn’t listed isn’t covered.

  • Premier home insurance offers more expansive coverage for your home and belongings by paying to repair damage from any disaster that isn’t specifically excluded in your policy. It also includes extra coverage for mishaps such as countertop burns or paint spills.

Optional coverage not included in base home insurance includes:

  • Water backup. This coverage pays for damages to your belongings if your sump pump overflows or a sewer or drain on your street backs up into your home.

  • Replacement cost coverage for personal property. Country Financial normally insures your belongings on an “actual cash value” basis, which means if your stuff is stolen or destroyed, the company will pay out only what the items are currently worth. For older belongings, that means you won’t get enough to buy brand-new replacements. Opting for replacement cost coverage ensures you’ll be paid enough to buy new items in place of what was lost.

  • Earthquake protection. This coverage pays for damage from earthquakes.

  • Flood insurance. Country Financial can help you buy this coverage through the National Flood Insurance Program.

  • Identify theft expense. This option covers up to $25,000 for expenses related to identity theft.

  • Advocacy service coverage. Identity theft victims will receive help from a fraud resolution expert to restore their identity.

  • Extended and guaranteed replacement cost coverage. These options offer a buffer in case your house costs more to rebuild than expected. Extended replacement cost gives you an additional 20% of coverage beyond your dwelling limit, while guaranteed replacement cost has no limit. (Coverage in Alabama, Georgia and Tennessee is capped at 25% over your limit.)

  • Extra coverage for valuable items. If you have pricey belongings such as jewelry, they may exceed the sublimit in your personal property coverage. This option lets you cover them up to their full value. An appraisal may be required.

Discounts

Home insurance discounts vary by state but may be available for:

  • Newer homes.

  • Safe heating, which means no wood-burning stove or other solid-fuel burning unit.

  • Fire and theft prevention equipment.

  • Newer electrical wiring.

  • New or hail-resistant roof.

  • Buying another type of policy with Country Financial.

  • Having a policy with Country Financial for three years or more.

  • Making payments on time for three years.

  • Being claims-free for five years.

  • New customers.

Consumer complaints

Country Financial received far fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)

Consumer experience

Website: You can handle many quick tasks on the Country Financial website, including paying bills, filing claims, updating personal info and getting a quote. However, you’ll need to speak with a representative to buy a policy.

App: Country Financial’s app is available on iOS and Android. You can use it to report and track claims, pay bills and see policy information.

Claims: You can file a Country Financial homeowners claim online through your customer portal, or call 866-COUNTRY. In many states, you have a year after the incident to report your claim, but the company recommends filing as soon as possible. Learn more about how to file a home insurance claim.

Customer service: Support is available through local representatives, via via an online email form or by phone at 866-COUNTRY.

Other home insurance companies to consider

Not ready to make a decision? You may be interested in these other homeowners insurance companies:

Frequently asked questions

Yes, Country Financial will insure the structure of your manufactured home as well as your personal belongings and liability, but this coverage is available only in Illinois. For more options, check out our guide to manufactured and mobile home insurance.

Country Financial offers a variety of insurance policies, including car, condo, renters, life and boat insurance. Learn more about Country Financial auto insurance.

Yes. Liability claims for the following breeds (including hybrids of these breeds) may not be covered: pit bull, chow, Rottweiler, Doberman pinscher, Akita, wolf, wolf-dog and Fila Brasileiro. Depending on where you live, you may not even be able to get a Country Financial homeowners policy at all if you own one of these dogs.

Methodology

Homeowners insurance ratings methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.