Considering affordability, customer service, coverage and financial stability, COUNTRY Financial ranks sixth overall in the nation for home insurance. It offers the most affordable home insurance rates for newer homes and ranks highly in customer satisfaction and financial stability. Review our ratings below.
COUNTRY Financial Home Insurance Review
Updated: June 26, 2025
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Key Takeaways
COUNTRY Financial ranks sixth overall for home insurance affordability, offering particularly low rates for those with newer homes.
Customer satisfaction for COUNTRY Financial ranks fourth in the nation, with high ratings for financial stability.
COUNTRY Financial ranks third overall for coverage options, with unique choices, including scheduled personal property coverage and power surge coverage.
COUNTRY Financial Home Insurance Ratings
| Overall Rating | 62 | 6 |
| Affordability | 32 | 6 |
| Customer Satisfaction | 22 | 4 |
| Coverage | 5 | 3 |
| Financial Stability | 3 | 2 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
COUNTRY Financial Home Insurance Ratings by State
While COUNTRY Financial ranks within the top six nationally, these ratings vary depending on your state. The table below shows how the company stacks up by location.
| Alabama | 78 | 5 |
| Alaska | 80 | 1 |
| Minnesota | 48 | 8 |
| Nevada | 50 | 7 |
| North Dakota | 79 | 4 |
| Oregon | 50 | 7 |
| Washington | 49 | 7 |
How Much Is COUNTRY Financial Home Insurance?
For most homeowners, COUNTRY Financial home insurance costs around $199 monthly and $2,389 yearly. However, depending on your unique profile and coverage needs, costs can vary from $44 to $1,259 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
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Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $199 | $2,389 |
COUNTRY Financial Home Insurance Cost by 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 |
COUNTRY Financial Home Insurance Coverage Options
In addition to standard coverage options, COUNTRY Financial offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Scheduled personal property | Provides additional coverage for high-value items, collectibles, jewelry and more beyond standard policy limits |
Power surge coverage | Included in Premier home insurance coverage for mishaps such as power surges that damage electronic equipment and appliances |
Back-up of sewer or drain | Provides endorsement coverage for water damage from sump pump and sewer backup situations |
Earthquake | Provides earthquake protection coverage that pays for damage from earthquakes |
Service line | Pays for damage to underground pipes or wires that connect to your home |
Cyber event/Identity theft | Covers expenses related to identity theft and includes help from a fraud resolution expert |
COUNTRY Financial Homeowners Insurance Review: Bottom Line
Overall, COUNTRY Financial ranks among our top six for home insurance policies, and we recommend contacting it for quotes. While COUNTRY Financial may be a good provider, compare other options and pricing to get the best deal.
COUNTRY Financial Home Insurance: FAQ
Below are answers to frequently asked questions about COUNTRY Financial home insurance:
Is COUNTRY Financial home insurance good?
COUNTRY Financial is a strong home insurance option, placing sixth overall in our study. Generally, it scores well for customer satisfaction, coverage and financial stability.
How much is home insurance with COUNTRY Financial?
COUNTRY Financial home insurance for $250,000 in dwelling coverage averages around $2,389 per year, less than the national average. Costs can vary from $528 to $15,115 annually, based on individual profiles and coverage options.
How is COUNTRY Financial's home insurance customer service?
COUNTRY Financial's home insurance ranks highly overall in our study for customer satisfaction, although it ranks slightly below average according to J.D. Power.
How We Rated COUNTRY Financial Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.