COUNTRY Financial Home Insurance Review (2026)

COUNTRY Financial offers two levels of home insurance coverage that many regional carriers don’t: Standard and Premier. Standard covers a set list of specific events, like fire, wind, hail, theft and vandalism. Premier covers almost any cause of damage unless it’s specifically excluded, so things like accidentally spilling bleach on new carpet or a power surge wiping out electronics would be covered. You can pick a different level for your home’s structure and for your belongings, so you’re not locked into the same choice for both.

You can get a quote online or by calling a local representative. COUNTRY Financial recommends going through a representative to get a full picture of what coverage and discounts apply. Its discounts also go further than most carriers’, covering not just home and auto but also life insurance, disability income, commercial policies and even eligible bank accounts or annuities.

COUNTRY Financial sells homeowners insurance in 19 states. It covers most of the Midwest and Plains, plus parts of the South, Southwest and Pacific Northwest. If you’re not in one of those 19 states, it doesn’t offer coverage where you live.

• Alabama
• Alaska
• Arizona
• Colorado
• Georgia
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Minnesota
• Missouri
• Nevada
• North Dakota
• Oklahoma
• Oregon
• Tennessee
• Washington
• Wisconsin

Coverage options, add-ons and discounts can vary from state to state, so check with a local representative to find out what’s available where you live.

COUNTRY Financial's home insurance averages $217 monthly or $2,609 annually for $250,000 in dwelling coverage. Getting $500,000 in dwelling coverage brings that to $370 monthly, and $750,000 in dwelling coverage comes in at $517 monthly. Beyond how much coverage you buy, your rate depends on your home’s age and construction, where you live, your credit, your claims history and the deductible you choose.

At COUNTRY Financial, a home’s age affects the rate in a way that is not obvious. A newer home averages $149 a month, while a middle-aged home averages $217. Middle-aged and older homes cost almost the same, at $217 and $215 a month. The $68 monthly gap between newer and middle-aged homes comes to $816 a year. 

After a home is no longer new, its age has little effect on the average rate. For a quote based on your home’s details, go to countryfinancial.com or call 844-349-8417.

COUNTRY Financial costs less than the state average in only one state, North Dakota. The rate there is $163 a month, 13% below what other insurers charge. At the other end is Alabama, at $516 a month. That is 27% above the state average, where severe weather in Gulf and Southeast states pushes prices up for every insurer.

COUNTRY Financial offers more ways to lower your premium than many regional carriers, with discounts for how you pay, the safety features in your home and the other products you hold with the company.

• Multi-Policy: You can qualify if you have a home policy plus at least one other eligible product with COUNTRY Financial — auto, life, disability income, commercial insurance or a COUNTRY Trust Bank account or annuity with a balance over $1,000. That’s more than most regional carriers offer, where the discount usually only covers home and auto.
• Welcome: Applied automatically when you buy a new homeowners policy with COUNTRY Financial. It gives new customers a lower starting rate before the Loyalty Discount takes over.
• Loyalty: Kicks in after roughly three years with COUNTRY Financial and replaces the Welcome Discount on its own. You don’t have to do anything to get it.
• Good Payer: Available if you have a history of paying your bills on time. Your representative can confirm whether you qualify.
• Claim Free: Applies if you’ve gone five or more years in a row without filing a home insurance claim. Your own claims history is what counts, not your neighbors’.
• Preferred Payment: Paying your full annual premium at once, rather than monthly, qualifies for this discount. If you can handle a single annual payment, it’s a simple way to pay less overall.
• Protective Devices: A burglar alarm, fire alarm or automatic sprinkler system that reports to a professional monitoring station qualifies. A local alarm that doesn’t send alerts to a central station isn’t eligible.
• Smart Home: Connected devices that send you remote alerts can qualify, including smart thermostats, water leak detectors or connected smoke and fire detectors over broadband, wireless or cellular. The device needs to actively alert you remotely, not just sound a local alarm.
• Back-up System: Available when you add the sump pump and sewer backup endorsement to your policy and also have a backup system in place, like a battery backup sump or a permanently installed generator. You need both the coverage and the equipment to qualify.
• Age of Home: New homes qualify automatically. Older homes that have been fully updated, with new wiring, plumbing and roof, can also qualify. You’ll likely need to show documentation of the work. Not available in Minnesota.
• Age of Wiring: A Minnesota-only discount for homes with new or upgraded electrical wiring. It’s available to Minnesota homeowners in place of the Age of Home discount.
• Hail-Resistive Roof: If your roof meets specific impact-resistance standards, you can get a lower rate. You’ll need documentation showing the roof’s rating.
• Safe Heat: For homes without solid fuel-burning heaters like wood stoves. Taking that fire risk out of your home can lower what you pay.

COUNTRY Financial’s homeowners policy covers your home’s structure, your belongings, liability and temporary living costs, with a choice between two levels of protection for the two main coverage types.

• Dwelling coverage: Covers the physical structure of your home, including walls, flooring and built-in fixtures like cabinets, countertops and fireplaces. You choose Standard or Premier: Standard covers specific named events like fire, wind, hail, theft and vandalism; Premier covers almost any cause of damage unless it’s specifically excluded. You can pick a different level for your home and for your belongings.
• Other structures: Covers structures on your property that aren’t attached to the main home, like detached garages, sheds and fences. If a covered event damages one of them, this pays for repairs without touching your main dwelling coverage.
• Personal property coverage: Covers your belongings when they’re damaged or destroyed by a covered event. Like dwelling coverage, it comes in Standard and Premier. Under Premier, accidental damage counts — spilling bleach on your carpet or a power surge wiping out your electronics would be covered, but not under Standard.
• Additional living expenses: If your home can’t be lived in after a covered event, this pays for temporary housing, meals and other extra costs while repairs are underway. You won’t have to cover those bills out of pocket.
• Liability coverage: Pays legal fees and related costs if someone outside your household gets hurt on your property or if you accidentally damage someone else’s property. A visitor who falls on your stairs or a golf ball that goes through a neighbor’s window are the kinds of situations this covers.
• Medical payments coverage: Pays medical bills for someone hurt on your property, or in some cases hurt off your property by you or a household member, without needing to go to court to sort out who was at fault. It handles the bills quickly and can keep small incidents from turning into bigger disputes.

COUNTRY Financial offers several coverage add-ons that let you go beyond what a standard homeowners policy includes. The most useful ones for most homeowners either fill gaps in the base policy or protect against rising rebuilding costs.

• Scheduled personal property: Gives high-value items, like jewelry, fine art, collectibles or musical instruments, their own coverage amount rather than lumping them in with everything else. If you own things worth more than your policy’s per-item limits, this protects each one at its full value.
• Sump pump and sewer backup: Covers water damage from a backed-up sewer or drain and from a sump pump that fails. A standard homeowners policy doesn’t cover this, so it’s worth adding if your area has older sewer systems or your home is in a low spot.
• Earthquake coverage: Standard homeowners policies don’t cover earthquake damage. This is a separate add-on. If you live in an earthquake-prone area, talk to your representative about whether it makes sense for where you are.
• Service line coverage: Covers the underground pipes and wires that connect your home to utilities. If a buried water line, sewer connection or utility line breaks, repairs can cost thousands and a standard policy won’t cover it.
• Identity theft coverage: Helps cover the costs of dealing with identity theft, including legal fees, lost wages and the work that goes into fixing the damage to your accounts and credit.
• Extended Replacement Cost: Adds up to 120% above your dwelling coverage limit if rebuilding costs go over what’s on your policy. Useful if building costs have gone up since you set your coverage amount.
• Guaranteed (Additional) Replacement Cost: No cap at all. COUNTRY Financial pays whatever it costs to rebuild, no matter what your policy limit says. If building costs are hard to predict where you live, this takes that risk off the table.

A standard COUNTRY Financial homeowners policy doesn’t cover everything. Some risks need separate add-ons and others need their own policy.

• Flood damage from outside sources (rising water, storm surge, runoff)
• Earthquake and earth movement (without the earthquake add-on)
• Wear and tear or damage from not keeping up with maintenance
• Sewer or water backup (without the sump pump and sewer backup add-on)
• Damage while the home is vacant or being built
• Business activity run from the home
• Certain pest or animal damage

What’s excluded can vary by state, and some of these gaps can be filled through COUNTRY Financial itself.

You can buy home insurance online at COUNTRY Financial's site or by calling 844-349-8417 to connect with a representative. The online tool walks through your home’s details and coverage choices. Because COUNTRY Financial works through local agents, many homeowners choose to go through a representative from the start so they can see which discounts apply and compare the Standard and Premier coverage levels.

Once you’ve looked at your quote, your representative or the online process will walk you through picking your coverage, any add-ons you want and your deductible. Before you finalize, check whether the multi-policy discount applies. If you have other COUNTRY Financial policies or eligible bank accounts, bundling them can lower your rate. Your policy starts once you finish the purchase and pay your first premium.

If your home is damaged, you can file a home insurance claim through your online account at countryfinancial.com, the COUNTRY Financial app, by calling 866-COUNTRY (866-268-6879) or by reaching out to your local representative. When you file, have the date and time of the loss, a description of what happened, any photos or video of the damage and receipts for emergency repairs you’ve already done. Having those details ready helps things move faster.

After you file, a claims adjuster will reach out to go over your policy, your deductible and what happens next. Depending on how bad the damage is, the adjuster may come out to inspect. Once you have an estimate, your contractor can go directly to the adjuster with any questions, so you’re not stuck in the middle.

COUNTRY Financial’s rates and affordability were based on the following homeowner profile:

• Age 41 to 60
• 2,500-square-foot house
• $250,000 in dwelling coverage
• $125,000 in personal property coverage
• $200,000 in liability coverage
• Good credit
• No claims in the past 5+ years

We gave COUNTRY Financial a score in three areas:

• Affordability (55%): We looked at how COUNTRY Financial’s costs compare with the national average and with competing insurers.
• Customer experience (35%): We looked at what COUNTRY Financial customers say on forums, J.D. Power studies, and AM Best Financial Strength scores.
• Coverage (10%): We looked at how COUNTRY Financial’s add-on options compare with the average and how uncommon they are.

You can learn more in MoneyGeek’s home insurance methodology.