Name: Country Financial
Item: Country Financial
Rating: 3.8
Author: Les Masterson

Our Expert Take

We like that Country Financial has a very low level of complaints, which indicates quality customer service. But that may not be enough to offset its expensive rates, which are one of the highest among the home insurance companies we analyzed.

Pros

Low complaint level usually reflects good customer service.
Offers extended replacement cost options for dwellings.
Provides many discounts, including multi-policy, age of home, new roof, claim-free, loyalty and welcome discounts.
Claim forgiveness for homeowners who have been Country customers for at least five years and have not had a claim in at least five years.

Cons

Rates are high compared to other home insurers in our analysis.
May limit liability coverage for injuries and property damage to others caused by a homeowner’s “aggressive” dog. Breeds that may be uninsurable are pit bulls, Chows, Rottweilers, Dobermans, Akitas, wolves and wolf hybrids, Fila Brasileiros and any hybrid of these breeds.

Table of Contents

Country Financial Home Insurance Cost Comparison

Country’s home insurance rates are high compared to most other companies we analyzed, which is why it didn’t make our list of the best home insurance companies.

Company	Average home insurance cost per year for dwelling coverage of $350,000
Progressive	$729
Nationwide	$1,157
Erie	$1,256
USAA*	$1,270
State Farm	$1,298
Westfield	$1,344
Allstate	$1,395
Auto-Owners	$1,525
Chubb	$1,810
American Family	$2,020
Farmers	$2,035
Country Financial	$2,065
Shelter	$2,363
Travelers	$3,220
Average	$1,678

Source: Quadrant Information Services. *USAA home insurance is available only to veterans, military members and their families.

About Country Financial Homeowners Insurance

Started by a group of farmers in 1925, today Country Financial has more than 3,000 employees and 2,000 representatives. Country Financial is the 22nd largest home insurance company in the United States.

Country Financial’s homeowners insurance includes types of coverage that come standard in a homeowners policy:

Dwelling coverage pays to repair or replace your house and its attached structures, like a garage.
Other structures coverage pays to repair or replace detached structures on your property, like a shed.
Personal property coverage is for the theft or damage of personal items, including clothes, rugs, electronics and furniture.
Liability insurance is for lawsuits filed against you, such as a visitor who is injured on your property.
Additional living expenses coverage is for extra expenses when you can’t live at home due to damage covered by the policy, such as fire damage. Hotel bills and restaurant meals are among these possible additional living expenses.
Medical payments coverage pays for smaller medical bills—typically up to $5,000—of people accidentally hurt who blame you, not including household members, regardless of fault.

Country Financial sells several other types of home-related insurance including condo insurance, renters insurance, landlord insurance and mobile home insurance.

Need extra liability protection on your home insurance policy? Country Financial offers umbrella insurance that provides additional liability coverage on top of a home or auto insurance policy.

Policy add-ons available from Country Financial include:

Extended replacement cost up to 120% of your dwelling coverage limit if the cost to rebuild your house is higher than expected. Country Financial also offers an unlimited additional replacement cost option. This extra coverage is valuable to have in case local construction costs spike unexpectedly.
Sump pump and sewer back-up protection helps pay for water damages when a sewer backs up or a sump pump overflows.
Identity theft expense coverage will pay as much as $25,000 in expenses to help you recover from identity theft.

Country Financial Home Insurance Discounts

These home insurance discounts from Country Financial can help lower your cost. (Not all discounts are available in all states.)

Alarm credit discount if you have smoke detectors, an automatic sprinkler system or alarm monitored by the police or fire department.
Dwelling age discount if you live in a newer home.
Hail-resistive roof discount if your home’s roof materials are resistant to hail damage.
Multi-policy discount if you have more than one insurance policy with Country Financial such as auto and home insurance.
New roof discount if you have replaced your roof recently.
Safe heat discount if your home does not have a solid fuel burning unit, such as a wood burning stove.
Wiring age discount for homeowners who have a new home or upgraded wiring.

Home Insurance Complaints Against Country Financial

Country Financial has a very low complaint ratio compared to other large home insurance companies. A low complaint level can be a strong indicator of high customer satisfaction.

Methodology

To find the best home insurance we scored companies based on these factors:

Home insurance rates (50% of score): Based on average rates for each insurance company for homes with dwelling coverage of $200,000, $350,000, $500,000 and $750,000.
Complaints (20% weight): Based on complaints about home insurance that were upheld by state insurance departments. Source: National Association of Insurance Commissioners.
Availability of extended and/or guaranteed replacement cost coverage (20% of score): Extra dwelling coverage is valuable in the event of large disasters, when construction materials and labor costs tend to spike. We gave points to companies that offer either extended or guaranteed replacement cost coverage. Source: Forbes Advisor research.
Banned dog lists (10% of score): Banned dog breed lists can make homeowners ineligible for coverage. (A company’s banned dog list might not be applicable in all states.) While any homeowners insurance company could potentially ban any dog with a biting history, not all put a ban on specific breeds. Source: Forbes Advisor research.