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Country Financial

LAST UPDATED: August 18th, 2022

COUNTRY Financial is a competitive option for home insurance. It offers good coverage options and discounts. The insurance company has also received high financial strength ratings, which indicates its reliability.

Read COUNTRY Financial Home Insurance Reviews


The Good

  • Competitive Coverage
  • Good Discounts
  • High Financial Strength Ratings
  • Helpful App

Competitive Coverage

COUNTRY Financial offers standard home insurance coverages. It combines these coverages in three insurance policy options:

  • Basic coverage — Includes liability and medical payments coverage. Covers named circumstances for dwelling and belongings.
  • Premier coverage — Expands Basic coverage to include additional circumstances like paint spills and power surges.
  • Combined coverage — Customizable policy that includes features from Basic and Premier coverage.

Whatever coverage option you choose, you can cover the actual cash value or replacement cost of your home and belongings. COUNTRY Financial offers several levels of replacement coverage: replacement cost, extended replacement cost, and additional replacement cost. 

The additional replacement cost option offers the most coverage because it doesn't have a limit and accounts for inflation in most states.

You can also include set coverage for expensive items in your home and add coverage for sump pump failure and water backup.

Like other home insurers, COUNTRY Financial offers identity theft coverage. However, it goes further and offers an additional coverage option that gives you access to an identity theft advocate service.

As typical for the industry, COUNTRY Financial homeowners insurance doesn't include earthquake or flood insurance. However, if your home qualifies for these coverages, its agents will help you get it from the federal government.

The ability to customize your coverage to what you want and need also makes COUNTRY Financial a competitive home insurance provider.

Good Discounts

COUNTRY Financial offers a competitive number of discounts with its home insurance policies. The kinds of discounts it offers are also on par with what other companies offer.

COUNTRY Finanical's discounts include the following:

  • Multi-policy — discount for having more than one policy from COUNTRY Financial
  • Dwelling age — discount based on how old your home is
  • Wiring age — discount based on how old your wiring is
  • New roof — discount for having a new roof
  • Roof — discount based on roofing products, like hail resistant roofing
  • Safe heat — no open fires in home

COUNTRY Financial also offers an alarm credit for fire and anti-theft equipment. 

High Financial Strength Ratings

COUNTRY Financial has earned high financial strength ratings, which makes it a reliable choice. An insurance carrier's financial strength rating is important to check before buying an insurance product because they show how likely an insurer is to be able to meet its claims obligations. High financial strength ratings are common among top insurers.

Helpful App

You can benefit from managing your insurance policy through COUNTRY Financial ® Mobile, which is COUNTRY Financial's app. You can view your insurance card, pay bills, contact a COUNTRY Financial representative, and more.


The Bad

  • Limited Customer Insight
  • Discounts May Not Be Available in All States

Limited Customer Insight

Best Company has not received many COUNTRY Financial home insurance reviews. While it's a good sign that most of the reviews are positive, there aren't enough of them to draw general conclusions about customer satisfaction.

Discounts May Not Be Available in All States

Although COUNTRY Financial offers many discounts, some may not be available in your state. For more information about discount availability, reach out to the company directly.


The Bottom Line

While more customer reviews are necessary to understand the customer experience, COUNTRY Financial is a dependable insurer. It offers competitive coverage and discounts. If its insurance coverage and discounts are a good fit for you, COUNTRY Financial homeowners insurance is worth exploring further.

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5 Reviews

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star star star star star

Doc B Decatur, GA

Relocated for work and CF came highly recommended by a relative. Moving from a small city to a metropolitan suburb was a huge increase in the cost for coverages. I did my research and was surprised that CF pricing was very competitive and I switched from an insurer I had for 15 years to try them at the new location. I have been a customer for over 5 years now and I am still pleased. I admit that I check periodically with the other insurers to test their promotional hype of having more coverage for a better price. But CF beats their competition every time. I am not near the local office so I have never dealt with the office in person but I did not need to because the online app and telephone service have been adequate. While I have not personally had any claims- my relatives have and I trusted their experience and recommendation in choosing CF and I am glad I did. I bundle my insurance needs with CF for the added discounts. I am a current policyholder and Recommend Country Financial.

1 year ago


Review Source

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Shalon Johnson Minneapolis, MN

My mom and I had Country Insurance for about 8-15 years now. Never had an issue, and the rates have never gone up. Customer service is also amazing. There was always someone available to answer any questions I had regarding coverage. In my opinion, they provide the best rates.

1 year ago


Review Source

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Russell Vastine Aurora, CO

Have had country financial for year. Great customer service always easy to get a person on the phone if it’s my personal insure agent or just calling their toll free number. I love the different home insurance options they have and bundling saves a lot.

1 year ago


Review Source

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Jordy Cooley Gilbert, AZ

Always have had a positive experience working with County. Their rates for our home insurance were competitive. Never had a complaint.

5 years ago


Review Source

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Julie Martinez Mesa, AZ

They insured our property for years. Their rates were very good. We never made a claim, but customer service with their agent was great.

5 years ago