Although Country Financial is not among the largest or most well-known insurance providers in the United States, those who reside in one of the nineteen states in which it offers homeowner's insurance should give it serious consideration. You can obtain a good policy via Country Financial's house insurance, but you have to call a salesperson instead of purchasing it online. Country Financial offers a variety of investment solutions, including retirement & university savings programs, in addition to traditional insurance policies.

Ratings for Country Financial's Homeowners Insurance

The home insurance offered by Country Financial was rated 4.5 out of a possible 5 stars for its overall performance. Factors such as the number and severity of customer complaints, the corporation's financial stability, the openness of its website, and the policyholder's ability to take advantage of available discounts all go towards the homeowner's insurance score.

Coverage for Your House from Country Financial

In order to accommodate the needs of its customers, Country Financial provides two levels of house insurance protection: the standard and the deluxe.

• The basic insurance shields your property and family against a variety of perils outlined in the policy, such as burglary, fire, smoke and soot loss, falling items, and electrical harm. Any tragedy not specifically mentioned above will not be compensated for.
• If you get a premier plan, your house and valuables will be covered against any calamity that is not explicitly excluded. You're protected from things like paint splatters and countertop fires, among other things.

Optional coverages not included in the standard homeowner's policy include:

Water Backup.

If water enters your house due to a backed-up sewer or drainage on the street, or even if your drainage system fails, this coverage will reimburse you for any damaged goods.

Property Replacement Coverage.

Country Financial covers your goods at "real cash worth," so if they're stolen or damaged, the firm will pay you just what they're worth. Therefore, you will not be able to exchange your older items for fresh new ones. By selecting replacement cost insurance, you can be certain that you will get compensation sufficient to replace any lost goods.

Earthquake Protection.

This policy will reimburse you for any earthquake-related property damage.

Flood Insurance.

Country Financial may assist you with acquiring this protection under the Flood Insurance Policy.

Identify Theft Expenditure.

If you suffer from identity theft, you may get up to $26,000.

Coverage for Advocacy Services.

A fraud resolution specialist will assist victims in regaining their identities once they have been stolen.

Coverage for the Extended and Assured Replacement Cost.

In the event that the price of rebuilding your home is more than you anticipated, you will have some breathing room thanks to these choices. The difference between extended replacement value and guaranteed replacement cost is the amount of money you may be reimbursed if anything goes wrong with your home.

Enhanced Protection For Priceless Possessions.

Jewelry and other expensive possessions may cost more than the sublimity of your individual property insurance. You may pay for them in full using this choice. Potentially, an evaluation is needed.

Consumer Experience

Website:

The website for Country Financial allows you to quickly take care of a number of matters, such as paying payments, making claims, changing personal information, and obtaining a quotation. However, purchasing insurance requires interaction with a representative.

App:

The app for Country Financial may be downloaded on both iPhone and Android. It may be used to submit and monitor claims, send and receive payments, and see policy details.

Claims:

Claim forms for home insurance from Country Financial may be submitted via the client portal or by calling 866-COUNTRY. While you may have up to a year in certain jurisdictions to file a claim, the business advises doing so as soon as feasible. Examine the following info about filing a claim with your house insurance company.

Reported Issues from Customers

According to statistics compiled over a period of three years by the Association of Insurance Commissioners, Country Financial was subject to a much lower number of home insurance grievances than would have been typical, given its size. Complaints filed with the NAIC about house insurance also involve other kinds of homeowner policies, such as a mobile house, renters, and condominium insurance.

Pros

• Country Financial provides a wide variety of insurance plans and other financial services so that you may take care of all your bases at once.
• Standard house insurance policies provide just the most basic protections, but more extensive coverage may be purchased as needed.
• Customers seem satisfied with Country Financial, as shown by the continually low complaint rate reported by NAIC.

Cons

• Costs are higher than with competing providers.
• May place a limit on the amount of money that is covered in the event that a homeowner's "violent" dog causes injuries or property destruction. Terriers, Chows, German shepherds, Dobermans, Akitas, wild dogs, wolf mixes, Fila Brasileiros, and any cross between these breeds are all prohibited.
• Country Financial offers homeowners insurance in a much smaller number of states than its competitors.

Our Verdict

Very few customers have voiced dissatisfaction with Country Financial, a sign that the company provides excellent service. However, the exorbitant prices they charge for homeowners insurance may make such benefits unfeasible.