Country Financial
- Far fewer complaints than expected for a company of its size.
- Many coverage options available.
- Can get an online quote but must finish the purchase over the phone.
- Not available in all states.
About Country Financial home insurance
Country Financial homeowners insurance earned 4.6 out of 5 stars for overall performance.
Country Financial sells homeowners insurance in 19 states, so it’s not an option for everyone. But if you live in one of those states, the company’s policies are worth a look. Country Financial home insurance has a solid range of coverage options, with policies available only through agents.
Based on this star rating, Country Financial is among NerdWallet’s Best Home Insurance Companies for 2025.
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Answer a few questions to see custom quotes and find the right policy for you.Where Country Financial home insurance stands out
Customer satisfaction. Country Financial draws far fewer complaints than expected for a company of its size.
Coverage. Country Financial offers many ways to customize your policy, whether you care more about saving money or maximizing coverage.
Where Country Financial home insurance 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.
What Country Financial home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
Country Financial offers two main types of homeowners insurance coverage.
Standard insurance covers only scenarios listed in the policy, including theft, fire, lightning, wind and hail. The policy won’t cover damage from any issue 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 includes coverage for mishaps such as power surges or bleach spills.
You can choose Standard or Premier coverage for your dwelling and personal property, or a combination of both.
Optional Country Financial home insurance coverage
You may be able to customize your policy with the following optional types of coverage:
Water backup. Pays for damages if your sump pump overflows or a sewer or drain backs up into your home.
Replacement cost coverage for personal property. Country Financial normally insures your belongings on an “actual cash value” basis. That means if your stuff is stolen or destroyed, the company will pay you only what the items are currently worth. For older belongings that have lost value over time, you won’t get enough to buy brand-new replacements. Choosing replacement cost coverage ensures you’ll be paid enough to buy new items in place of what was lost.
Earthquake protection. Pays for damage from earthquakes.
Flood insurance. Pays for damage from tidal surges, overflowing rivers and other types of flooding.
Identify theft coverage. Covers expenses related to identity theft.
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.
Extra coverage for valuable items. If you have pricey belongings such as jewelry, they may be worth more than a standard policy will cover. This option lets you insure cover them up to their full value. An appraisal may be required.
Service line coverage. Pays for damage to underground pipes or wires that connect to your home.
What’s not covered
Like most insurance companies, Country Financial won’t cover the following with its standard homeowners policies:
Flooding.
Earthquakes.
Landslides, mudslides and mudflow.
Backed-up drains.
Neglect or lack of maintenance.
Normal wear and tear.
Optional coverage may be available for some of these scenarios.
Where Country Financial home insurance is available
Country Financial offers homeowners insurance in 19 states.
Availability may change at any time. Coverage may not be available to all homeowners in a given state.
- Find the best homeowners insurance in your state
Discounts
Home insurance discounts vary by state but may be available for:
Newer or recently renovated homes.
Buying a new Country Financial homeowners policy.
Safe heating, which means no wood-burning stove or other solid-fuel burning unit.
Fire and theft prevention equipment.
Newer electrical wiring.
A new or hail-resistant roof.
Buying multiple policies from Country Financial.
Having a policy with Country Financial for at least three years.
Paying your premiums on time.
Certain smart-home devices.
Being claims-free for a certain amount of time.
Paying your premiums annually.
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Answer a few questions to see custom quotes and find the right policy for you.Consumer satisfaction
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.
Third-party ratings: Country Financial was rated slightly below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study.
How to file a claim with Country Financial
You can file a Country Financial homeowners claim through your online customer portal or call 866-268-6879. In many states, you have a year after the incident to report your claim, but the company recommends filing as soon as possible.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Country Financial customer service
Phone: For support, reach out to your local agent or call 866-268-6879.
Live chat: Logged-in users can chat with a Country Financial representative.
Online tools
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.
Mobile 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.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
Does Country Financial insure mobile or manufactured homes?
Does Country Financial insure mobile or manufactured homes?
Yes, Country Financial will insure some manufactured, mobile and modular homes. For homes that aren’t eligible for a Country Financial policy, the company works with two third parties, Foremost and American Modern, to help you find coverage. To learn more, check out our guide to manufactured and mobile home insurance.
What other insurance does Country Financial sell?
What other insurance does Country Financial sell?
Country Financial offers a variety of policies, including car, condo, renters, life and boat insurance. Learn more about Country Financial auto insurance.
Does Country Financial have dog breed restrictions on its homeowners policies?
Does Country Financial have dog breed restrictions on its homeowners policies?
Yes. Liability claims for certain breeds (including hybrids of these breeds) may not be covered. These include pit bulls, chows, Rottweilers, Doberman pinschers, Akitas, wolves, wolf-dogs and Fila Brasileiros.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2024 U.S. Home Insurance Study. Accessed .
Star rating 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, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
