The bottom line
Country Financial is a quality choice for homeowners looking for a home insurance company with a stellar financial strength rating and excellent customer service. It received fewer customer complaints than other insurance companies of its size in 2021, according to the National Association of Insurance Commissioners (NAIC) complaint index.
It also offers valuable coverage add-ons, including inflation guard protection, water backup coverage, flood insurance, and guaranteed replacement cost coverage for your home.
However, if price is your biggest priority, you’ll want to look elsewhere. Country Financial’s average annual rates are nearly $1,000 more expensive than the national average. And it doesn’t offer as many discounts to cut down on costs compared to other home insurance companies.
Excellent customer service rating — received fewer complaints than other similar-sized insurers in 2021
Slew of coverage add-ons, including guaranteed replacement cost, flood and earthquake coverage, and water backup protection
Mobile app and online chat feature to easily manage your policy, file claims, and talk to a customer service rep
Basic coverages offered
Country Financial home insurance policies include these six standard coverages to protect your home, belongings, and personal liability:
Dwelling coverage: Pays to repair or rebuild the structure of your home after a covered loss.
Other structures coverage: Pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
Personal property coverage: Pays to repair or replace your personal belongings after a covered loss, including furniture, clothing, tech gadgets, and other stuff you own.
Loss of use coverage: Pays for hotel stays, restaurant bills, pet boarding fees, and other temporary living expenses after a covered loss if you need to live elsewhere while your home is being rebuilt.
Personal liability coverage: Pays for legal and medical expenses if someone is injured or their belongings are damaged while at your home and you’re found legally responsible.
Medical payments coverage: Pays for small-dollar medical bills if someone is injured while at your home — regardless of who is at fault.
Additional coverages offered
You can add these additional coverages to your Country Financial homeowners insurance policy for even more protection:
Guaranteed replacement cost for your home: Pays the full cost to replace or rebuild your home after a covered loss — regardless of your policy limits.
Extended replacement cost for your home: Extends your dwelling coverage limit up to 20% in case rebuild costs exceed your policy limit after a covered loss.
Replacement cost for personal property: Pays to replace your personal belongings with new items, regardless of depreciation or wear and tear.
Scheduled personal property: Offers higher coverage limits for specific scheduled items like silverware, jewelry, fine art, collectibles, and other priceless possessions.
Inflation guard: Automatically adjusts your coverage each year to compensate for increases in construction and labor costs in your area due to inflation.
Water backup: Coverage if water backs up through your sewer or drains, or if your sump pump stops working.
Flood insurance: Offers flood insurance coverage through the National Flood Insurance Program (NFIP), a government program run by the Federal Emergency Management Agency (FEMA).
Watercraft liability: Offers additional liability protection if you’re involved in an accident on a watercraft you own or rent, and you’re found legally responsible.
Additional residence liability: Offers additional liability protection for other properties you own or rent out.
Earthquake insurance: Protects your home and personal property from earthquake damage.
Identity theft: Covers up to $25,000 for everything from assistance with your credit reports to attorney fees resulting from identity fraud to help replacing personal identification documents destroyed in a natural disaster.
Advocacy service: Supplies you with a fraud expert to restore your identity if it’s stolen, working with you for up to 12 months.
Personal umbrella insurance: Offers additional personal liability protection for expensive medical or legal bills you’re found legally responsible for.
Condo insurance: Purchased as a supplement to your condo association’s master policy, condo insurance covers your personal belongings, the interior structure of your condo unit, and personal liability.
Renters insurance: Purchased by tenants, renters insurance covers the personal belongings in your rental home or apartment against fire, vandalism, theft, windstorms, and water damage, as well as personal liability and loss of use coverage.
Landlord insurance: Includes coverage for the structure of your rental property, liability situations, loss of rental income, and landlord furnishings and appliances.
Our price rating scale looks at home insurance rates for a policy with $300,000 in dwelling coverage, as well as the total number of discounts offered. Country Financial’s average annual rate of $2,730 is 43% above the national average.
Our customer experience scale uses data from the NAIC complaint index. Country Financial has a score of .09, which means it receives almost 100% fewer complaints than expected for a company of its size. (The expected number would be 1.0.)
Our coverage options rating is based on both the number and quality of additional coverage and policy options offered by the company. Country Financial scores above average compared to other regional home insurance companies thanks to its slew of valuable coverage add-ons, including water damage protection, flood insurance, inflation guard coverage, guaranteed replacement cost coverage for your home, and more.
Our financial strength rating is a weighted combination of three industry-leading metrics to measure a company’s financial health: AM Best, Standard & Poor’s, and Moody’s. Country Financial has an A+ rating from AM Best, but is not rated by Standard & Poor’s or Moody’s.
How much does Country Financial home insurance cost?
The average cost of home insurance with Country Financial is $2,730 per year for a policy with $300,000 in dwelling coverage. This is almost $1,000 higher than the national average of $1,754 per year.
Here’s the average yearly cost of Country Financial home insurance for five different levels of dwelling coverage:
Dwelling coverage limit
Average annual cost
Rates are based on our analysis of 2022 sample home insurance quotes from across the country provided by Quadrant Information Services. Actual rates will vary based on location, policy limits, coverages, claims history, and other factors.
What discounts does Country Financial offer?
You can save on the cost of Country Financial home insurance if you qualify for any of these discounts:
Multi-policy: If you bundle your home and auto insurance with Country Financial.
Alarm credit: If you have smoke detectors, deadbolts, and central station monitoring installed in your home.
Dwelling age: If you live in a newer build — not available in Iowa, Minnesota, North Dakota, or Wisconsin.
Hail-resistive roof: If your roof is built with hail-resistant material and you have proof it meets testing standards.
New roof: If you have a newer roof — not available in Alaska, Idaho, Nevada, Oregon, or Washington.
Safe heat: If you don’t have heating sources that are considered high risk by insurers, such as a wood burning stove.
Wiring age: Homeowners in Iowa, Minnesota, North Dakota, and Wisconsin can save with new or upgraded electrical wiring.
Country Financial home insurance state availability
Country Financial offers home insurance policies in 19 states:
Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin.
What to expect with Country Financial home insurance
How to get a quote: You can get a Country Financial home insurance quote online, by calling 844-347-6812, by speaking to a local Country Financial agent, or by submitting an email through its website.
Customer service options: You can get in touch with a Country Financial customer service rep by calling 866-268-6879, using the chat feature on its website, submitting an email through its website, or logging in to your online account.
How to file a claim: You can file a Country Financial home insurance claim through its mobile app, by contacting your local representative, by calling 866-268-6879, or by logging in to your online account.
How to cancel your policy: You can cancel your Country Financial home insurance policy by contacting your Country Financial agent (their contact info should be on your policy declarations page).
Country Financial vs. other home insurance companies
Compare Country Financial home insurance to other insurers in the industry:
Frequently asked questions
Who owns Country Financial?
Country Financial is a privately owned company founded by members of the Illinois Agricultural Association in 1925.
How large is Country Financial?
Country Financial has over 3,000 employees and 2,000 local representatives that operate in 19 states across the country.
What does Country Financial sell besides home insurance?
Country Financial also offers auto, business, farm, crop, pet, and health insurance. You can also invest in a variety of annuities, as well as retirement and savings accounts with Country Financial.
What states is Country Financial in?
Country Financial insurance is available in Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington, and Wisconsin.
Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.
After working in publishing and book publicity for many years, she transitioned to freelance writing full time.
Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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