Updated: October 29, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
COUNTRY Financial scores 4.86 out of 5 for customer experience, ranking 2nd nationally among regional providers.
In terms of affordability, COUNTRY Financial places 22nd out of 39 with an annual cost of $2,540 for $250,000 in dwelling coverage.
COUNTRY Financial offers seven optional coverages for homeowners, including earthquake protection, flood insurance and identity theft coverage.
MoneyGeek ranks COUNTRY Financial 8th among 14 regional providers based on a balanced evaluation of affordability, customer service and coverage options. While researching the best homeowners insurance companies, we found COUNTRY Financial delivers strong customer satisfaction with room for improvement in coverage offerings.
Check the table below for detailed MoneyGeek scores out of 5 in each category and national rankings for our sample homeowner profile.
| Overall | 4.58 | 8 |
| Affordability | 4.88 | 22 |
| Customer Experience | 4.86 | 2 |
| Coverage | 2.91 | 22 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
COUNTRY Financial charges $2,540 annually for $250,000 in dwelling coverage based on our sample profile. Rates increase substantially with higher coverage limits, reaching $7,783 per year for $1 million in dwelling coverage.
Your location, credit score, claims history and other factors affect average homeowners insurance costs. Review the table below to see costs by dwelling coverage and toggle between deductible options to find affordable home insurance from COUNTRY Financial.
| $100K Dwelling / $50K Personal Property / $100K Liability | $123 | $1,472 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $212 | $2,540 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $364 | $4,365 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $507 | $6,087 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $649 | $7,783 |
Your location impacts COUNTRY Financial's homeowners insurance pricing because of varying state regulations, natural disaster risks and regional repair costs. Rates can range between $1,962 and $2,684 depending on your state for $250,000 in dwelling coverage.
Check the table below to explore COUNTRY Financial's availability and pricing for your desired dwelling coverage and deductible.
| Washington | $224 | $2,685 |
| North Dakota | $164 | $1,963 |
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
Costs also vary heavily by state. Below, you can review pricing for COUNTRY Financial home insurance by location:
| Alabama | $295 | $3,534 |
| Alaska | $88 | $1,050 |
| Minnesota | $370 | $4,439 |
| Nevada | $118 | $1,417 |
| North Dakota | $147 | $1,766 |
| Oregon | $153 | $1,835 |
| Washington | $223 | $2,680 |
You can access 13 different discounts through COUNTRY Financial to lower your home insurance costs. Note, however, that availability can vary based on which state you live in.
Multi-Policy Discount | Save when you bundle home insurance with auto, life, disability income insurance, a COUNTRY Trust Bank account or annuity with over $1,000, or commercial insurance. |
Welcome Discount | Receive automatic savings when you purchase a new homeowners insurance policy. |
Loyalty Discount | Earn this discount automatically after maintaining your homeowners policy for three years. |
Good Payer Discount | Qualify by paying your bills on time and meeting eligibility criteria. |
Claim Free Discount | Save after five consecutive years without filing home insurance claims. |
Preferred Payment Discount | Receive a discount when you pay your annual premium in full. |
Protective Devices Discount | Save with burglar alarms, fire alarms reporting to central stations, or automatic sprinkler systems. |
Smart Home Discount | Qualify with connected smart thermostats, theft systems, water leak detectors or smart smoke detectors. |
Back-up System Discount | Save when you add sump pump failure coverage and install backup systems or generators. |
Age of Home Discount | New homes qualify automatically; older homes qualify after full renovations including wiring, plumbing and roof updates. |
Age of Wiring Discount | Minnesota residents save with new or upgraded electrical wiring documented by contractors or inspectors. |
Hail-Resistive Roof Discount | Save with roofing that meets testing standards, with documentation of manufacturer, installation date and brand. |
Safe Heat Discount | Qualify when your home lacks solid fuel burning units like wood stoves. |
COUNTRY Financial policies include six standard home insurance coverages, outlined below.
Dwelling coverage pays to repair or rebuild your home's structure after covered perils like fire, wind or hail damage. This coverage includes attached structures like garages and applies to your home's foundation, walls and roof.
Other structures coverage applies to detached buildings on your property like sheds, fences and detached garages. Coverage typically equals 10% of your dwelling limit.
Personal property coverage reimburses you for stolen or damaged belongings, including furniture, appliances, clothing and electronics.
Personal liability coverage is responsible for legal expenses and damages when you're found at-fault for injuries or property damage to others. This protection extends beyond your property boundaries.
Medical payments coverage handles minor medical expenses for guests injured on your property regardless of fault.
Loss of use coverage reimburses hotel stays and restaurant meals when your home becomes uninhabitable after a covered loss. It also covers storage fees, moving costs and other additional living expenses above your normal costs.
You can add seven endorsements to expand your COUNTRY Financial homeowners policy protection. Endorsements are optional add-ons that cover specific risks not included in standard policies. Since availability varies by state, confirm which endorsements you can purchase in your area with a COUNTRY Financial agent.
Scheduled Personal Property | Provides additional coverage for high-value items, collectibles, jewelry and other valuables beyond standard policy limits |
Sump Pump and Sewer Back Up Coverage | Covers water damage from sump pump failure or sewer and drain backups |
Earthquake Coverage | Protects your home and belongings from earthquake damage not covered by standard policies |
Flood Insurance | Covers flood damage to your home and personal property. |
Umbrella Insurance | Extends liability protection beyond your home insurance limits for major claims and lawsuits |
Service Line | Covers repair or replacement of exterior underground piping and wiring connected to your home |
Identity Theft Coverage | Provides assistance and reimbursement for expenses related to identity theft recovery |
Standard homeowners insurance from COUNTRY Financial excludes certain perils like floods and earthquakes that require separate policies. The company also won't cover damage from maintenance issues, intentional acts or normal wear and tear.
Floods require separate flood insurance, while earthquakes need an earthquake endorsement. Standard policies also exclude landslides, sinkholes and other ground movement.
Insurance won't pay for damage you cause on purpose or injuries from illegal activities. This includes vandalism by household members and damage during criminal acts.
Policies exclude damage from poor maintenance, pest infestations and gradual deterioration. You're responsible for regular upkeep including roof repairs, plumbing maintenance and termite prevention.
COUNTRY Financial sells homeowners insurance through its network of local agents and online tools. Start your quote online or work directly with an agent to buy home insurance tailored to your property.
Calculate how much home insurance you need by estimating your home's rebuild cost, not its market value. Create a home inventory documenting your belongings to ensure you get enough personal property coverage limits for full protection.
Request your quote through COUNTRY Financial's website or call a local agent for personalized service. Provide details about your home's age, size, construction materials and safety features for accurate pricing.
Review different deductible amounts and coverage limits to balance protection with affordability. Consider adding endorsements for risks like water backup or valuable items requiring extra coverage.
Ask about all 13 available discounts including multi-policy, claim free and smart home savings. Provide documentation for protective devices, home updates and other qualifying features to maximize savings.
Examine your policy documents carefully to understand coverage limits, exclusions and deductibles. Confirm your payment schedule and set up automatic payments if you want the good payer discount.
COUNTRY Financial accepts claims through their website, a local agent, or their claims hotline available 24/7 for emergencies. Start your claim promptly and provide detailed documentation to streamline the settlement process.
Contact COUNTRY Financial immediately after discovering damage to start your claim. Provide your policy number, damage details and the date of loss to your agent or claims representative.
Take photos and videos of all damage before making temporary repairs to prevent further loss. Keep receipts for emergency repairs and create a detailed list of damaged or stolen items.
Meet with COUNTRY Financial's adjuster, who will assess your property damage and review your documentation. Provide any additional information requested and point out all affected areas during the inspection.
Examine your settlement offer carefully to understand what's covered and any applicable deductibles. Work with approved contractors or choose your own, keeping all receipts for reimbursement of covered repairs.
MoneyGeek scores COUNTRY Financial at 4.58 out of 5, ranking the insurer 8th overall among regional providers based on affordability, customer service and coverage. Annual premiums average $2,540 for $250,000 in dwelling coverage, though costs range widely depending on your location and selected limits.
The company provides seven endorsements, such as sump pump backup and identity theft coverage. Homeowners can also qualify for COUNTRY Financial's loyalty and smart home discounts alongside optional protections to determine if the insurer matches your home insurance needs and budget.
Below are answers to frequently asked questions about COUNTRY Financial home insurance:
COUNTRY Financial earns a MoneyGeek score of 4.58 out of 5, ranking 8th among regional providers nationally. The company excels in customer experience with a 2nd place ranking but scores lower for affordability and coverage options, both ranking 22nd. Consider COUNTRY Financial if you prioritize customer service over the lowest rates or most extensive coverage selections.
Annual premiums average $2,540 for $250,000 in dwelling coverage based on our sample profile with COUNTRY Financial. Rates range from $1,472 per year for $100,000 in dwelling coverage to $7,783 for $1 million in coverage. Your actual premium depends on your location, credit score, claims history and selected coverage limits.
Customer experience ranks 2nd nationally among regional providers, with COUNTRY Financial earning a score of 4.86 out of 5. The company provides service through local agents who help with quotes, policy changes and claims. This high ranking indicates customers generally report positive experiences with claims handling and agent responsiveness.
We evaluated COUNTRY Financial using the following base profile to calculate rates and assess affordability:
COUNTRY Financial's ratings reflect the following scoring methodology:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
