Country financial home insurance review is essential for homeowners seeking a reliable regional insurer with deep roots in America. Country Financial was founded in 1925 in Illinois as a mutual insurer for farmers. It has since grown into a full-service financial company serving approximately one million households. The company is headquartered in Bloomington, Illinois.
- Country Financial Overview and Financial Strength
- Country Financial Home Insurance Review: Coverage Options
- Country Financial Home Insurance Discounts
- Country Financial Home Insurance Cost
- Country Financial Claims Process and Customer Service
- Pros and Cons of Country Financial Home Insurance
- Who Is Country Financial Home Insurance Best For?
- Frequently Asked Questions
It currently offers homeowners insurance in 19 states. Country Financial holds an A+ (Superior) rating from AM Best. This reflects excellent financial strength and stability. In this country financial home insurance review, we examine coverage options, pricing, discounts, and claims service. Whether you are buying your first home or shopping for better rates, this guide will help you decide if Country Financial fits your needs.
Country Financial Overview and Financial Strength
Country Financial started as Farmers Mutual Reinsurance Company in 1925. Illinois farmers chartered the company through the Illinois Agricultural Association. It originally provided fire and lightning insurance for rural properties. The company added auto insurance in 1927 and life insurance in 1929. It rebranded to COUNTRY Financial in 2008. The company celebrated its 100th anniversary in 2025.
Today, Country Financial operates in 19 states across the Midwest, South, and West. These states include Illinois, Indiana, Iowa, Minnesota, Missouri, Georgia, and others. The company maintains 197 office locations nationwide. Its largest presence is in Illinois with 55 locations. Country Financial serves both personal and commercial insurance needs. This country financial home insurance review found the company maintains strong financial health.
Financial ratings paint a mostly positive picture. AM Best gives Country Financial an A+ (Superior) rating. The NAIC complaint ratio sits at just 0.32, well below the national median of 1.00. However, the BBB rating is a B, and the company is not BBB-accredited. JD Power ranks Country Financial slightly below average in its 2025 U.S. Home Insurance Study.
| Rating Source | Score / Grade |
|---|---|
| AM Best Financial Strength | A+ (Superior) |
| NAIC Complaint Ratio | 0.32 (median is 1.00) |
| JD Power Home Insurance | Below Average |
| BBB Rating | B (not accredited) |
Country Financial Home Insurance Review: Coverage Options
Country Financial offers six core coverage components in every homeowners policy. Dwelling coverage protects your home’s structure, walls, flooring, and permanently attached features. Other structures coverage applies to fences, detached garages, and sheds. Personal property coverage protects your belongings inside the home. Loss of use coverage pays for temporary living expenses if your home becomes uninhabitable. Personal liability coverage handles legal costs if someone is injured on your property. Guest medical payments cover non-household members injured at your home.
This country financial home insurance review found two distinct coverage tiers. The Standard tier uses broad form protection against named perils. The Premier tier provides open-peril coverage against any risk of direct physical loss. You can upgrade dwelling and personal property coverage separately. This flexibility lets you customize protection based on your budget.
Country Financial also offers seven optional endorsements. These include water backup coverage, equipment breakdown protection, and identity theft coverage. Service line coverage protects underground wiring and piping. For example, extended dwelling replacement cost increases your dwelling limit by a set percentage. Guaranteed replacement cost coverage removes the cap entirely on rebuild costs. However, flood damage requires a separate policy. Earthquake coverage is available as an endorsement in most states.
Country Financial Home Insurance Discounts
Our country financial home insurance review identified 13 discount opportunities. The multi-policy bundling discount saves up to 25 percent. You qualify by combining home insurance with auto, life, or other Country Financial products. Many homeowners also compare auto insurance rates at Car Cover Guide before bundling to ensure they get the best deal. New customers receive a welcome discount that automatically converts to a loyalty discount after three years.
Country Financial rewards responsible homeowners in several ways. The claims-free discount applies after five consecutive years without a claim. Protective device discounts cover burglar alarms, fire alarms, and sprinkler systems. Smart home device discounts are also available for qualifying technology. As a result, homeowners who invest in home security can see meaningful premium reductions.
| Discount Type | Details |
|---|---|
| Multi-Policy Bundling | Up to 25% off with auto, life, or other policies |
| Welcome Discount | For new policyholders |
| Loyalty Discount | After 3+ years (replaces welcome discount) |
| Claims-Free | No claims for 5 consecutive years |
| Protective Devices | Burglar alarm, fire alarm, or sprinkler system |
| Smart Home Devices | Qualifying smart home technology |
| New/Renovated Home | Newer homes or fully renovated older homes |
| Impact-Resistant Roof | Roof meets impact-resistance standards |
| Safe Heat | No solid-fuel-burning units in the home |
| Backup System | Backup power or generator systems |
| On-Time Payment | Consistent on-time premium payments |
| Annual Payment | Pay full annual premium upfront |
Country Financial Home Insurance Cost
This country financial home insurance review found rates that vary by source and coverage level. For $300,000 in dwelling coverage, Bankrate reports an average annual premium of $2,123. That figure is roughly 12 percent below the national average of $2,424. However, other sources report higher averages. MoneyGeek lists $2,540 per year for $250,000 in coverage. Policygenius reports $2,730 for $300,000 in dwelling protection.
Several factors affect your Country Financial premium. Your home’s location, age, and construction materials all play a role. Credit score, claims history, and chosen deductible also impact pricing. In most cases, newer homes in low-risk areas receive the best rates. Typically, increasing your deductible from $500 to $1,000 can lower your premium significantly.
One drawback is that Country Financial does not offer online quotes. You must contact a local representative to get pricing. This can slow the shopping process compared to competitors with instant online quotes. Saving on your insurance premium frees up money for other financial goals. You can find bank sign-up bonuses at Bonus Bank Daily to make those savings work even harder.
Country Financial Claims Process and Customer Service
Filing a claim with Country Financial follows a straightforward four-step process. First, report the claim through your online account, the mobile app, or by calling 866-COUNTRY (866-268-6879). Second, an adjuster is assigned to assess the damage. Third, your claim is reviewed and a settlement is determined. Finally, payment is issued based on the assessment.
The COUNTRY Financial Mobile app is available on iOS and Android. It lets you access policy documents, submit claims, and pay bills. You can also pull up insurance ID cards directly from the app. For example, this makes it easy to provide proof of insurance during a home closing or inspection. This country financial home insurance review found the digital tools to be adequate but not industry-leading.
Customer service is available Monday through Friday from 8:00 AM to 8:00 PM CST. Saturday hours run from 8:30 AM to 5:00 PM CST. Claims reporting may be available around the clock. Country Financial also maintains a network of local agents for in-person service. However, JD Power ranked the company slightly below average for overall customer satisfaction. The NAIC complaint ratio of 0.32 suggests most customers do not file formal complaints.
Pros and Cons of Country Financial Home Insurance
Pros:
- AM Best A+ (Superior) financial strength rating ensures claims-paying ability
- NAIC complaint ratio of 0.32 is far below the national median of 1.00
- Rates approximately 12 percent below the national average for comparable coverage
- 13 discount opportunities including up to 25 percent off for bundling
- Premier open-peril coverage tier available for comprehensive protection
- Local agent network provides personalized in-person service
Cons:
- Available in only 19 states, limiting access for many homeowners
- No online quote tool — you must contact an agent for pricing
- BBB rating of B and not accredited by the Better Business Bureau
- Below-average JD Power customer satisfaction ranking
Who Is Country Financial Home Insurance Best For?
This country financial home insurance review concludes that Country Financial is best for homeowners in the Midwest and select other states. Illinois residents benefit most from the company’s dense local agent network. Homeowners who prefer face-to-face service over digital-first experiences will appreciate the 197 office locations. The strong financial rating makes Country Financial a dependable choice for long-term policyholders.
Country Financial is also ideal for bundlers. The 25 percent multi-policy discount is among the most generous in the industry. Homeowners who combine auto, home, and life insurance can realize substantial savings. Typically, families with multiple insurance needs see the biggest benefit. The loyalty discount rewards those who stay for three or more years.
However, this country financial home insurance review notes the company is not the best fit for everyone. Homeowners outside the 19-state service area cannot access these policies. Tech-savvy shoppers who want instant online quotes may find the agent-only process frustrating. In most cases, homeowners who prioritize top-tier digital tools should compare other carriers first. For those within its service area who value financial strength and competitive rates, Country Financial remains a solid choice.
Frequently Asked Questions
Is Country Financial home insurance available in my state?
Country Financial offers homeowners insurance in 19 states. These include Illinois, Indiana, Iowa, Minnesota, Missouri, Georgia, Arizona, Colorado, and others. However, the company does not sell home insurance nationwide. Check with a local agent to confirm availability in your area.
How much does Country Financial home insurance cost per year?
For a country financial home insurance review of costs, expect to pay around $2,123 per year for $300,000 in dwelling coverage. Typically, rates run about 12 percent below the national average. However, your actual premium depends on location, home value, deductible, and claims history.
Does Country Financial offer guaranteed replacement cost coverage?
Yes, Country Financial offers guaranteed replacement cost as an optional endorsement. This country financial home insurance review found it removes the cap on dwelling rebuild costs. As a result, your home is fully rebuilt regardless of the final expense. This endorsement provides maximum protection against rising construction costs.
Compare More Home Insurance Companies
Looking for more home insurance reviews, comparisons, and state guides? Browse our complete library of insurance resources.
Official Sources & Resources
For verified information on home insurance ratings and regulations:
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- Insurance Information Institute: iii.org
- FEMA (Flood Insurance): fema.gov
- J.D. Power (Customer Satisfaction): jdpower.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.