Country Financial Homeowners Insurance Review 2023
Many or all of the products featured here are from our partners who compensate us. This influences 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.
Country Financial home insurance star 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 2023.
Country Financial currently offers homeowners insurance in 19 states.
Country Financial home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage
What it does
Pays to repair or rebuild the structure of your home.
Covers damage to unattached structures such as a shed or fence.
Pays to repair or replace personal belongings such as furniture or clothing.
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
Country Financial offers three types of homeowners insurance coverage: standard, combination and premier.
Standard insurance protects your home and belongings from various dangers specified in the policy, including theft, fire, smoke damage, falling objects and electrical damage. The policy won’t cover damage from any disaster that isn’t listed.
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.
Combination home insurance offers premier coverage for the structure of your home and standard coverage for your belongings.
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.
Personal injury coverage. This extends your liability coverage to pay for lawsuits due to slander, libel and other causes.
Ordinance or law coverage. This coverage helps pay to bring your home up to current building codes following a covered claim.
Homesharing coverage. This coverage can offer financial protection if you rent out part of your home on a temporary basis.
Home insurance discounts vary by state but may be available for:
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 a certain amount of time.
Paying your policy in full rather than in installments.
Enrolling in autopay.
Being claims-free for a certain amount of time.
Being a new customer.
Taking wind mitigation measures.
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.)
Website: You can handle many quick tasks on the Country Financial website, including paying bills, filing claims, updating personal info and starting 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 an online email form or by phone at 866-COUNTRY.
Where Country Financial stands out
Customer satisfaction. Country Financial draws far fewer complaints than expected for a company of its size, and rated above average for customer satisfaction in J.D. Power’s 2022 home insurance survey.
Coverage. Country Financial offers many ways to customize your policy, whether you care more about saving money or maximizing coverage.
Where Country Financial falls short
Online buying. Although you may be able to get a quote on the Country Financial website, you’ll need to speak with a representative to buy a policy.
Availability. Country Financial home insurance is available in fewer than half of U.S. states.
Is Country Financial home insurance right for you?
Country Financial homeowners insurance may be worth considering if you live within the company’s 19-state service area and want to work with an agent to make sure you have the right coverage.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Auto-Owners: Many discounts and ways to customize your policy.
Safeco: A solid option owned by Liberty Mutual.
State Farm: Well-established insurer with numerous coverage options.
Travelers: Solid slate of coverage, including an option to pay for environmentally friendly materials after a claim.
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, coverage, 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 ratings methodology for home insurance.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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.