Country Financial Homeowners Insurance Review 2024

About Country Financial home insurance

Country Financial homeowners insurance earned 5 out of 5 stars for overall performance. 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.

Based on this star rating, Country Financial is among NerdWallet’s Best Home Insurance Companies for 2024.

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.

State availability

Country Financial offers homeowners insurance in 19 states.

Country Financial home insurance coverage

Country Financial offers two main types of homeowners insurance coverage.

• Standard insurance protects your home and belongings from various dangers specified in the policy, including theft, fire, lightning, wind and hail. 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 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.

You may be able to customize your policy with the following optional types of coverage:

• Water backup. This coverage pays for damages to your belongings 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, which means if your stuff is stolen or destroyed, the company will pay you 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. This coverage pays for damage from tidal surges, overflowing rivers and other types of flooding.

• Identify theft coverage. This option covers expenses related to identity theft and includes help from a fraud resolution expert.

• 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 cover them up to their full value. An appraisal may be required.

• Service line coverage. This pays for damage to underground pipes or wires that connect to your home.

» MORE: 10 kinds of damage home insurance won’t cover

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 multiple policies from Country Financial.

• Having a policy with Country Financial for a certain amount of time.

• Paying your premiums on time for at least three years.

• Installing certain smart-home devices.

• Being claims-free for a certain amount of time.

» MORE: 9 ways to lower your homeowners insurance cost

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 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.

Country Financial home insurance: The bottom line

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

Here’s how Country Financial compares to other popular homeowners insurance companies:

» MORE: Country Financial renters insurance review

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