Country Financial Home Insurance Review: Service, Cost, & More (2023)

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Updated: May 22, 2024

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checkmarkExcellent financial stability
checkmarkClaims and account management tools that are simple to use
checkmarkProvides a variety of home insurance savings and coverage alternatives.


closeCustomer service could use more improvement
closeOnly available in 43 states


Country Financial received a score of 86 out of 100 in MoneyGeek's analysis. It's an affordable homeowners insurance option with great financial stability and good customer service.

Country Financial offers a variety of coverages and unique discounts, such as Schedule Personal Property coverage and a Roofing Material Discount, that may help supplement policies to make them more economical.

Does Country Financial Have Good Customer Service?

Country Financial received a MoneyGeek score of 86 out of 100, which is a great score. We based this rating on a combination of the company's customer happiness, financial stability and affordability. While financial stability is Country Financial’s strongest offering, homeowners might find better customer service elsewhere.

Customer Satisfaction Rating

Customer satisfaction scores can be a testament to either a pleasant or stressful claim experience for policyholders. MoneyGeek scored Country Financial 4.05 out of 5 for customer satisfaction after earning a score of 830 out of 1,000 in J.D. Power’s study. This is a good rating, but you’ll find other providers with better scores.

Customer Complaint Index

The National Association of Insurance Commissioners (NAIC) Customer Complaint Index is another valuable instrument for measuring a company's customer satisfaction. According to the NAIC, Country Financial has a complaint score of 0.32, which suggests it received a low amount of complaints compared to your average insurer.

Financial Stability Rating

When it comes to homeowners insurance, one of the most important factors to consider is the company's financial stability, which impacts how well it can respond to a claim. Country Financial has an A+ rating from AM Best, an organization that reviews insurance companies. This indicates that they are equipped to satisfy their ongoing insurance commitments.

What to Expect From Country Financial Homeowners Insurance

Anyone who has never applied for a Country Financial homeowners insurance coverage may find the process complicated. You can learn more about what to expect during this process by reviewing the steps below.

Getting a quote

You can use Country Financial's online quote tool to get rates for your specific needs by entering your address, type of property, number of household residents and more. Alternatively, MoneyGeek has collected Country Financial homeowners insurance quotes that you can review.

Customer support

You can reach Country Financial customer service by calling 866-COUNTRY (866-268-6879), available 24/7, logging in to your mobile or online account, sending an email through their online form or contacting your representative.

Filing a claim

You can file a claim by logging into your online account or through your mobile app. You can also give them a call at 866-COUNTRY (866-268-6879) if you'd rather talk to a person. Another way to file a claim is to visit the Claims Center, where a representative will be assigned to guide you through the process.

Canceling your policy

You can contact your representative (use the Country Financial representative locator if you don't have one) if you want to cancel your Country Financial homeowners insurance plan. There's no cost for canceling, and you may even receive a partial refund for your unused premium.

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You may submit a claim through your online account or mobile app. If you'd like to speak with someone directly, contact 866-COUNTRY (866-268-6879). This number is available 24/7. Another option is to go to the Claims Center, where you will be assigned a representative who will walk you through the process.

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Country Financial’s homeowners insurance is available in all states except:

  • California
  • District of Columbia
  • Hawaii
  • Louisiana
  • Mississippi
  • New Jersey
  • Tennessee
  • Utah

Note, however, that not all coverage options may be available in your state.

How Much Does Country Financial Homeowners Insurance Cost?

Getting a quote or talking to an agent are reliable ways to find out how much homeowners insurance in Country Financial costs. While the average annual cost of homeowners insurance is around $1,979, your specific circumstances, including age, home location, property type and more, will determine how much your actual premium will cost.

Dwelling Coverage
Annual Premium





To determine how much homeowners insurance costs through Country Financial, several factors are taken into account. Location, housing coverage, personal coverage and deductible amounts are among them.

The amount of dwelling coverage you need will be determined by the value of your property. A decent starting point for housing coverage is $250,000. Other types of coverage, such as personal property, must be addressed as well.

If you know the limits you want, use our home insurance calculator to see how much you'll have to pay depending on those limitations.

Home Insurance

MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.


Rates updated:

Jul 13, 2024

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It is costly to rebuild a house. While it may be tempting to choose lower coverage limits to save money on monthly premiums, your expenditures will skyrocket when you need reimbursement money. Invest in your peace of mind by purchasing sufficient coverage to rebuild your house if necessary.

What Discounts Does Country Financial Offer?

Country Financial offers eight homeowners insurance discounts for their customers. The industry average of discount offerings is seven. Three out of eight discounts from Country Financial are also somewhat uncommon.



You can bundle your home and car insurance to save money.


After three years of coverage or more, you'll receive a discount.

Responsible Payment

When you pay your bills on time for three years, you'll be rewarded with a discount.

Protective Device

Smoke detectors, fire extinguishers, deadbolt locks, central station fire or burglar alarms and automated sprinkler systems all qualify for discounts. Smart home technologies such as smart thermostats, theft systems and water leak monitors can also help you save money.

Home Renovation

If your house has new or improved electrical wiring, you may qualify for savings.

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You can save money by taking advantage of the multi-policy discount from Country Financial homeowners insurance if you bundle your homeowners insurance with other products like auto insurance, life insurance, umbrella insurance or another insurance product.

Which Coverage Types Does Country Financial Offer?

Country Financial home insurance includes the standard dwelling, personal property and liability coverages. Furthermore, the insurer offers five additional coverages, matching the industry average of five.

One of their most interesting coverages is earthquake damage protection. Depending on where you live, this could be a critical coverage for you to purchase.

Country Financial’s available coverage options are on par with the industry average. Below is a list of endorsements offered to Country Financial homeowners insurance customers.

Extended reimbursement

Extended replacement cost provides for inflation and covers the cost of labor and building materials up to 120% of the coverage amount (125% in Alabama, Georgia or Tennessee). As a result, if construction costs have increased or the value of your home has decreased, you have some additional coverage to assist you in rebuilding.

Scheduled Personal Property

Jewelry, electronics and other high-value objects have their own additional security with this coverage.

Back-Up of Sewer or Drain

You may buy sump pump and sewer backup protection to protect yourself from water damage caused by a failed sump pump or a backed-up sewage line.


Protects against the effects of earthquakes.

Cyber Event / ID Theft

Identity Theft Expense Coverage is available for purchase. It will pay up to $25,000 in charges if your identity is stolen or your checking account is hacked.

When it comes to homeowners insurance, you'll want to consider more than just the price. The best method to properly safeguard your property is to compare homeowners insurance rates for coverage.

For example, earthquake, pest and flood insurance coverages are typically not included in regular plans and must be obtained as an add-on or separate policy. Amica Mutual provides earthquake insurance but does not provide bug, pest or flood coverage.

If your house requires additional insurance, be sure your policy includes at least the following standard coverages:

Personal Property
Personal Liability
Other structures
Medical payments

What Online Homeowners Insurance Tools Does Country Financial Offer?

Country Financial home insurance policyholders can use the company's website and mobile app to manage their accounts, process claims and make payments. The following is a collection of free tools and other features offered by the insurer.

Online price quotes
Mobile app
Flexible payment options
Financial advice resources
Online bill pay
Online claims

Other Country Financial Insurance Products

Country Financial offers more insurance products than just homeowners insurance. The majority of these may be purchased as a package deal.

Type of Product

Life Insurance

Country Financial life insurance covers term, universal and whole life policies. It assists in paying expenses in the case of the policyholder's death.

Umbrella Insurance

This insurer’s umbrella insurance provides "up to $1 million or more" in additional coverage for your auto insurance policy.

Business Insurance

Country Financial business insurance provides coverage for company owners with items such as commercial packages, customized coverages and winery and brewery-specific alternatives.

Agricultural Insurance

Farmers and ranchers can get coverage for cattle, country estates, farms, ranches and crops, among other things through Country Financial agricultural insurance. Comprehensive hail insurance, as well as specialized federal crop insurance plans, are available as crop insurance choices.

Identity Theft Insurance

Country Financial identity theft insurance protects your identity with cutting-edge monitoring technologies and alert features. This gives you more control over your credit and money.


To evaluate Country Financial as a homeowners insurance company, MoneyGeek analyzed the Country Financial website, manually collected quotes and consulted consumer intelligence organizations such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.