COUNTRY Financial Home Insurance Review: Pros & Cons, Ratings, & More

As its name suggests COUNTRY Financial's roots are in agriculture. In 1925, it began as a mutual insurance company in Illinois, selling policies for fire and lightning insurance. Within its first year, the company had expanded to include coverage for crop-hail and farm equipment, with auto and life insurance joining the mix by 1929. It remained an Illinois-based company until the 1960s, when it began adding states to its coverage area over the next several decades. Today, COUNTRY Financial ranks on the National Association of Insurance Commissioners' list of top 25 home insurance companies in the nation, with over .70 percent share of the market.

Effective Date: January 2020

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The basic coverage that COUNTRY Financial offers actually does not include the standard coverages most consumers will want from their home insurance. That said, that may appeal to customers searching for only baseline coverage and the lower premiums that come with that. You do have the option to upgrade your policy to bring it up to the level that most policies offer, but be sure to check the policy closely to see exactly what is covered and ensure that it's sufficient for your needs.

COUNTRY Financial offers home insurance in three packages. The first offers standard coverage for a set number of events, such as fire damage, theft, or glass breakage. At the next level, the Premier package expands the list of covered events; these are typically catastrophic but still be pricey to remediate, such as power surges or paint spills. An option for combination coverage allows customers to choose expanded coverage for their homes while staying at a basic level for personal property.

COUNTRY Financial offers a range of additional coverage options that are standard among the industry's larger companies. While they're not included in a basic policy, clients can pick and choose among them to build a policy that best suits their circumstances.

Although the types and amounts of discounts vary by state, COUNTRY Financial does offer a reasonably varied selection of discounts, so that most customers should qualify for some savings.

You can call or go online to file a claim. You may log in to your account on the company website, or you can submit a claim as a guest. A claims representative will collect the necessary information and then get back to you by the end of the next business day to get the claims process going. Once the claim is reviewed, the company will set up an inspection, and you will get an estimate of repair costs. You can log in online to monitor the status of your claim.