Country Financial
- Very low rate of consumer complaints.
- Various ways to customize your policy.
- Doesn't offer online quotes.
- Not available in all states.
About Country Financial renters insurance
Country Financial renters insurance earned 4.3 out of 5 stars for overall performance. The company has been selling insurance since 1925. 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.
Best for: Renters who want to work with an agent to get the right coverage.
Not ideal for: People outside of the company’s service area or those who want to buy a policy online.
Where Country Financial stands out
Consumer complaints. With very few complaints to state agencies, Country Financial generally keeps its customers happy.
Coverage. Country Financial offers a variety of ways to customize your policy. For instance, you can add optional coverage for flooding or identity theft.
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.
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What Country Financial renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of 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:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
Country Financial may include refrigerated food coverage in its standard policies. This coverage can pay for the cost of spoiled food if your refrigerator isn't working due to a covered loss.
Optional coverage
If you need more coverage, you may be able to add the following:
Coverage for high-value items. Like most insurers, Country Financial limits how much it will pay for valuable items like jewelry and firearms. If your belongings are worth more, you may want to insure them separately. An appraisal may be required.
Premier coverage for personal property. Covers your belongings for a wider range of scenarios. For example, it will cover broken antiques and appliances damaged by power surges.
Replacement cost coverage. Say you have a 4-year-old laptop. If it's stolen or destroyed, a basic renters policy would pay only its current value — not enough to buy a new computer. With replacement cost coverage, Country Financial will pay enough to buy brand-new items.
Identity theft coverage. Helps with expenses if someone steals your identity.
Water backup coverage. Pays for damage if water backs up into your home from a drain, sewer or malfunctioning sump pump.
Country Financial can also help you add coverage for damage from earthquakes or flooding.
» MORE: Flood insurance for renters
Country Financial renters insurance rates
Country Financial renters insurance costs $183 a year on average, according to NerdWallet’s rate analysis. That’s more expensive than the national average of $151 a year.
Discounts
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.
Paying your premiums on time.
Being a new Country Financial policyholder.
Renewing your Country Financial policy.
Paying your premiums annually instead of in more frequent installments.
Consumer complaints
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Country Financial scores highly on this measure, drawing a very low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
Where Country Financial renters insurance is available
Country Financial sells policies in 19 states.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Consumer experience
Website: The Country Financial website offers most of the basic services you’d expect. You can pay bills, file claims and get coverage details. 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 claims, manage payments, see policy info and contact your agent.
Claims: Customers can start and track claims online, in the app or by calling 866-268-6879.
Customer service: You can call 866-268-6879 or log in to access the company's live chat.
Get renters insurance quotes in minutes
Answer a few questions to get custom quotes and find the right policy for you.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
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.
Frequently asked questions
What other types of insurance does Country Financial offer?
What other types of insurance does Country Financial offer?
Country Financial sells policies including auto, motorcycle, homeowners, life and business insurance. Learn more with our Country Financial auto insurance review and home insurance review.
How can I get a renters quote from Country Financial?
How can I get a renters quote from Country Financial?
Call the company at 866-268-6879 or use the “request a quote” service on the website to have a representative call you. Online quotes aren’t available.
Does Country Financial have dog breed restrictions on its renters policies?
Does Country Financial have dog breed restrictions on its renters policies?
Yes, depending on where you live. You may not be covered for injuries caused by the following breeds: pit bull, chow, Rottweiler, Akita, wolf, wolf-dog or Fila Brasileiro (or any hybrid of these breeds).
Renters insurance star 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 affordability, financial strength, consumer experience and coverage options. 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 from 2022 through 2024. 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.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for 30-year-old tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
