Country Financial Renters Insurance Review 2023

Country Financial sells renters insurance through local representatives in 19 states.
Sarah Schlichter
By Sarah Schlichter 
Edited by Caitlin Constantine

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


NerdWallet rating 
Country Financial sells renters insurance through local representatives in 19 states.

Coverage options

More than average


Average set of discounts

NAIC complaints

Far fewer than expected

Country Financial


NerdWallet rating 
Country Financial sells renters insurance through local representatives in 19 states.

Coverage options

More than average


Average set of discounts

NAIC complaints

Far fewer than expected

Based in Bloomington, Illinois, Country Financial has been selling insurance for nearly 100 years. Country Financial renters insurance may be right for you if you’re looking for solid coverage options and good customer service. But you can’t buy a policy online, and the company serves only 19 states.

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 renters 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 renters insurance star rating


NerdWallet rating 

Country Financial renters insurance earned 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 this rating, Country Financial is among NerdWallet’s Best Renters Insurance Companies for 2023.

State availability

Country Financial sells policies in 19 states.

Country Financial renters insurance coverage

Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:

Type of coverage

What it does

Covers your clothing, furniture, electronics and other belongings.

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Pays out if you're responsible for injuries to other people or damage to their property.

Medical payments

Covers injuries to other people in your home, regardless of fault.

Besides the usual coverage, Country Financial may include refrigerated food coverage in its standard policies, depending on where you live. Refrigerated food coverage can pay for the cost of spoiled food if your refrigerator is broken due to a covered loss.

If you need more coverage, you can add the following options:

Coverage for high-value items. Like most renters policies, Country Financial insurance has limits on how much it will cover for valuable items like jewelry and firearms. If your belongings are worth more, you may want to insure them separately to make sure they’re covered. An appraisal may be required.

Premier coverage for personal property. This upgrade means your belongings will be covered not only for standard problems such as fire and theft, but also for things like broken antiques and appliances damaged by power surges.

Replacement cost coverage. If you have older items, such as a 3-year-old computer or a 10-year-old mattress, a standard policy would pay out only their current value if they were stolen or destroyed. Adding replacement cost coverage means you’ll get paid enough to buy brand-new items.

Identity theft coverage. If someone steals your identity, this coverage can pay for some associated expenses and provide a specialist to help you get back on your feet.

Water backup coverage. This endorsement pays for damage if water backs up into your home from a drain, sewer or malfunctioning sump pump.

Personal injury protection. This coverage protects you if you’re accused of libel or slander.


You may be able to save on your renters policy by:

  • Buying more than one Country Financial policy.

  • Going at least five years without filing a claim.

  • Making payments on time for at least three years.

  • Being a new Country Financial policyholder.

Consumer complaints

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

Consumer experience

Website: The Country Financial website offers most of the basic services you’d expect, including bill payment, claims filing and coverage information. The site also has some limited content in Spanish. However, you can’t get a quote or buy a policy online.

App: You can use the Country Financial app to report and track claims, manage payments, see policy information and contact your representative.

Claims: Customers can start and track claims online, in the app or by calling 866-COUNTRY (866-268-6879).

Customer service: You can contact Country Financial at 866-COUNTRY (866-268-6879) or through the contact form here.

Where Country Financial stands out

Coverage. With plenty of policy endorsements to choose from, Country Financial’s renters policies will likely suit most renters’ needs.

Consumer complaints. The company’s low volume of complaints suggests that Country Financial’s policyholders are generally happy with their coverage.

Where Country Financial falls short

Availability. Country Financial renters policies are available in fewer than half of U.S. states.

Online quotes. You won’t be able to plug in your details and get a quick quote on the Country Financial site. Instead, you’ll need to work with an agent to determine your coverage and rate.

Other renters insurance companies to consider

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

  • Amica. Amica has a large number of coverage options and ranks high in customer satisfaction.

  • Nationwide. Nationwide renters insurance covers more than just the basics.

  • State Farm. One of America’s biggest carriers, State Farm offers multiple renters coverage options and gives you the ability to bundle insurance types.

  • Travelers. Travelers is available in most states and offers multiple insurance products, making bundling easy.

Frequently asked questions

Country Financial sells various types of insurance including auto, motorcycle, homeowners, life and business. Learn more with our Country Financial auto insurance review and home insurance review.

You can call the company at 866-COUNTRY (866-268-6879) or use the “request a quote” service on the website to have a representative call you. Online quotes aren’t available.

Yes. Depending on where you live, you may not be covered for injuries caused by the following dog breeds: pit bull, chow, Rottweiler, Doberman pinscher, Akita, wolf, wolf-dog, or Fila Brasileiro (or any hybrid of these breeds). In some cases, you may not be able to get a Country Financial renters policy at all if you own one of these dogs.


Renters insurance ratings methodology

NerdWallet’s renters 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 options, 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 renters insurance rating methodology.

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.

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.