Country Financial Home Insurance Reviews

I am an 81 year old disabled amputee elderly woman in Decatur Georgia, that purchased Country Financial insurance upon refinancing my home of 30 years. I recently had a water leak from an A.C. unit and filed a claim with Country financial, my home insurance company. Only to be told that they do not cover water damage done in my home, stating that my policy only covers things such as riots, vandalism, or planes landing on my home. I am not able to live in my home of which I am still making mortgage payments and was told they won't even assist with displacement cost. Why would a reputable insurance company take advantage of someone in my situation and sell me insurance that would almost never be beneficial to me. I reached out for a supervisor to call me and have yet to receive assistance. Could someone please direct me on what I can do to possibly hold this company accountable?

I'd like to express my gratitude for a few individuals within Country Financial. - Nancy Van **- Financial Advisor Appleton, WI has been my agent for years and is always available to talk and help guide me. She works hard for her clients in all that she does and continues to do for her clients/customers. I appreciate the time and care she shows that is always offered whenever I need some guidance and support. She explains everything in detail and answers questions rather in person, by phone, and emails. I appreciate her dedication and highly recommend Nancy for all your insurance needs.

We requested and received a basic homeowners email quote on 10/31/25. We are just about through with escrow. I called on 12/4/25 and they couldn’t find the quote. They transferred me to an agent who handles Sutherlin, Oregon. I spent 30 minutes on the phone with her, starting the quote from the beginning again. She was certainly talkative! She said she would email me the quote so I would have it for our lender. I never received it! I am done dealing with Country Financial!

We have had Country Financial insurance for over 18 years. Something has changed. This year we have had nothing but problems. We have auto pay set up for them to deduct our payment monthly. We've had the same bank account for over 20 years. For some reason they have failed to deduct our payment twice and they have blamed us and have increased our rates. I no longer trust them and we will be looking for someone else.

A Country Financial representative took me off the insurance when my husband called in without consulting me. No one would speak to me when I called and I had no coverage. Do not go with this company. Do not trust them.

Avoid this company and save yourself a huge headache. The customer service is an absolute joke and the claims department is even worse. The adjuster (Ali **) has horrible communications skills and good luck getting her to reply to your calls, emails or voicemails. I'm in week 2 of trying to get approval for the work and get my vehicle into a shop.

I have been with Country since buying my house in 2020, a little over 4 yrs. I have a credit score of over 800. I had no issues until the garage door fell on my truck, and took off the antenna and scratched the roof, when it was inside the garage, parked. They marked my record as "at fault." Not sure how I could of known the door was going to fall on my truck, but somehow that was my fault. It was repaired, my bill did not go up, all was well. That was 2.5 yrs ago. No more issues till December 2023 when I traded in my truck, I called and explained I would be picking up my new truck in a few days and needed the vin number changed on my policy, I also emailed my agent. No response, so the day I picked up the new truck the dealer said "if you don't give us your new card by Monday we will need you to bring the vehicle back." I didn't think there would be a problem, but sure enough by Monday, still no callback from my agent.

It appears that Country is being run by interns. Customers can feel it when they try to get help for the smallest of things. The rudeness of the "customer service" at Country is stunning. Country violated Alabama state law by cancelling my insurance without 10 day notice required by law. They cancelled my insurance AFTER they cashed the check that I paid in full for my auto insurance and never told me. I was driving around not knowing I had no auto insurance. I have never made any claims on my home or auto policy, but I can only imagine Country would stiff me if I ever had to given how I have been treated by Country.

We had a house fire in February, it is now JULY. There has been no movement on our claim, no approved construction plan. We are likely going to run out of additional living expenses money before work is completed. Paid premiums for 14 years, but they can't pay out...

I've been a decades-long customer of Country Insurance and Financial. My semi-annual auto insurance premium was due in June of 2024 and in May I received my bill with a 25% increase and no explanation as to why. I have excellent credit and have always made my premium payments on time. I've had no accidents or moving violations or infractions of any kind in over 20 years and asked my insurance agent for an explanation. He was incredulous and asked, "Haven't you been watching the TV? It's all over the news," he said. Rates are going up all over.

Yeah so I was getting paper bills sent so I called them and told them to do paper list and I ask if they give a discount when you go paper list and said no but yet this was on google. Yes, Country Financial offers a small discount for going paperless on your car insurance bill. The average discount is 3%, but can range from 1% to 6%. So he says to me, "We don't give a discount" that google must of put this on. I guess I should go back to paper and let them spend money for the paper. Shouldn't put stuff online if you're not going to honor.

My policy was due to renew Feb 16th 2024. Jan 22nd I called them to tell them I would not be renewing my policy, Yet they continued to send my mortgage company bills. Feb 7th I spoke to a different representative who said my policy still was not canceled or marked for non-renewal but assured me they would take care of it, Yet they continued to send my mortgage company bills. Feb 16th my mortgage company paid 2 homeowners insurance companies. Feb 16th I spoke to a manager (Ashley) with the country financial who said neither Sarah nor Jenny had canceled my policy and that they had not gotten the payment from the mortgage company yet, but would call me as soon as it came in and send ME to MY address the full refund.

I was a customer for 34 years: 10 at my first home without any claims; 24 at my second home with one claim ten years ago. I should have price compared years ago but finally did. I canceled due to a better price. My premium was paid up so a refund is due to me. It has taken a month to receive my check. Keep in mind years with this company and they have never offered me a lower premium, rebates NOTHING. Please price check older relatives' premiums because this company bank on us just paying and never price compare. Loyal to my pocket only!

I’m a past client of Country Financial Insurance for over 20 years. I filed my first claim after over 20 years. Country Financial Insurance went to great lengths to avoid paying a claim. They even went as far as lying to State of Georgia Office of Commissioner of Insurance Fire and told several lies with ease. They LIE BY OMISSION. THEY PRETEND YOU'RE NOT THERE SO THEY DON'T HAVE TO ANSWER FOR SAYING NOTHING! They're very good at the deception. They claimed to have had my car inspected for secondary damages. They claimed to have identified the problem and fixed the problem. They don’t care!!! State of Georgia Office of Commissioner of Insurance Fire cannot help you. Their exact words were "Our office role in 3rd party liability claims is greatly limited and is primarily confined to ensuring that the other person's insurer is conducting a reasonable investigation." Best of Luck!!!

This is by FAR the WORST insurance "company" I have ever dealt with. First off, their agents are rude as can be. Secondly, don't waste your time asking them a specific question about a policy, because they will either smart off to you or ignore you altogether. Then when you decide you have had enough of their rude, crooked tactics and decide to get insurance elsewhere, corporate will take FOREVER to issue a refund back to you. It has been over 2 weeks since I dropped them and I still have yet to see a check for my homeowners policy that they "claim" was sent out a week ago. I live in the same town that their main office is in and I know it doesn't take this long for mail to go across town.

We have had Country Financial for over 30 years. Our bundle included cars, home, boat, whole life insurance policies. In 1985 we were told our whole life policies would pay for themselves within 20 years with dividends. That never happened and the policies were very expensive. We decided to cash them out recently and we were told our other policies would increase because of “bundle”. What?!! They include life insurance policies in bundles? Our car insurance went up 200.00. We’re seniors, no tickets or accidents. We asked friends for recommendations and decided to go with a broker who will find best deal without sacrificing any coverage you’ve had. We dropped all policies with Country Financial. I see they have one star on many review sites. I hope to see the day they go out of business!

Dear Buyer, I am reaching out to you today with an urgent message to raise awareness about the concerning practices of Country Financial, mainly concerning personal home and auto insurance. It is crucial to exercise caution and reconsider any plans to purchase insurance from this company. I, too, fell victim to the misleading practices of Country Financial, believing them to be a reliable choice for our family's home and auto insurance needs. After receiving a quote and conversing with one of their agents, I clearly expressed my preference for monthly payments. I requested an annual policy starting from 4/1/23, with the purchase to be made in May.

Home insurance claim was cheap to say the least and it was expected from the adjuster that it may need to be updated once I find contractors, but his prices are current and industry standard, they were not. This tells me they insist on cutting funds right off the bat, and once I did find contractors, the adjuster argued the money even more and settled on a cheaper company even when I had quote data from many companies saying flooring was going to be more along with the work. They also will cover padding in a room but not carpet when whole downstairs had water damage from a pipe leak. Don't use this company. They may be cheaper than Geico or Progressive, but you will get less when a claim happens, and your family relies on them.

Issue #1. The original time estimate for repairing my bumper was 3-5 business days. This was changed to 5-7 business days. It has now been 14 days and finally the body shop is able to order parts and fix my car. No estimate yet on when this will be done. A good portion of the time has been spent waiting for approval from Sara ** (my claim agent) to approve the additional expense to fix the bumper.

Trevor ** goes above and beyond to meet the needs of his customers which is why I have been a loyal customer for 13 years. He makes sure I’m getting the best discounts to meet my needs. I feel like family!

The adjuster came out with rude and racist attitude. Park his van on the top of the damaged of driveway and tell me that I just bought my insurance in April and my driveway look like it damaged before that time. I let him know I been with Country Financial for 7 years and the policy renewal every April. He get upset and said it not cover anyway and closed my claims. I call the supervisor and claims manager, they both are rude just like the adjuster. They didn’t hear my side story and rejected my request for second adjuster.

I have had Country Financial homeowners insurance for over 6 years. I have never filed a claim. But we had a few tornados in our area and heavy storms and my shingles were coming off the roof and there was a lot of hail damage. Adjuster came out - did not g up on roof - he activated a droid to fly over it and take pics. Days later we get a check for 800.00... and I was told that they would pay up to $7,000 for a new roof BUT we had to come up with that money and then they would reimburse us. Total bull - who has $7,000 just sitting around? Not us. So we still have a roof with hail damage and missing shingles 6 months later. Eventually we will have attic and wall damage. VERY unsatisfied. Changing companies.

Country Financial refuse to replace my roof even though I have water ceiling stains all over. The adjuster Tim ** based out of Georgia refuse to come inside the house to see the damage. He try to say that the contractor whom I hired damaged the roof. I have water coming in and that's the reason why I called a roofing company to come take a look at it and now the adjuster is trying to say the roofing company made the damages. Stay away and avoid all this nonsense.

I have nothing to say but good things about this Insurance company! Every time we call them for a claim, it amazes me how fast the process is! Insurance Adjuster Ed is awesome! We recently had a minor fire incident and upon calling them, even on a holiday weekend they made sure to send somebody to check on us and make sure we are fine to stay in our house. Not even a week, claim was processed. This is for every single time we file a claim with no problem. I will highly recommend them for home insurance and we’re thinking of switching our auto insurance to them too. Their customer service is commendable!

Had an auto crash and was supposed to get a refund and since 2019 till date I am yet to get that check that will go through. They sent couple check and when I tried to cash it, it bounce back 'cause it was cancelled 'cause I called in to say I didn’t receive it which I really didn’t receive until much later. Called back again and my adjuster said he will send another one and up till date, haven’t seen it in my mail. I am tired of calling 'cause I have other stuffs to be worried about but I still in my money 'cause is part of my policy. Is being 6 months now and am yet to get just a peanut amount of check that belongs to me. How weird is that.

Brandin in the IL office explained my flood claim added up to $3009. Minus my $1,000 deductible he would pay me $1,200. Wow, that doesn't add up! Oh, he said they were withholding $770. They can do that? Seems like they can do whatever they want. Just letting you know before you believe they'll be honest with you.

I live in the country and I have some very dear close neighbors. Their daughter's son passed away from cancer at a very early age. They moved back to the country for a change in pace back to where she was raised. They purchased a dog from the animal shelter, the dog got into my livestock and killed them. If it was just a couple of them I would’ve been a big deal But it was over 20 head. I got a hold of their insurance company, came across the guy name Mike **. He gave a ridiculous settlement and tried to trick me by getting a autopsy after all the sheep were buried but one was still alive so I was able to get that. He would never settle with me or meet up with me so we can talk about it or get something done. I did not want to sue the neighbor lady. One that’s not good at all to iamb. Not going to attack a person who just lost their love ones and I think Mike knows that. They have never settled with me yet today.

I had a flood in my basement on a Friday night! I got in contact with my adjuster Matt ** on the following Monday. He was nice during our walk through. But afterwards forgot what we had discussed about items that were affected. He would not respond to calls or emails. He did not send important documents, that he informed he was going to. My daughter's room was in the basement. Where the incident happened. She had tons of shoes that were merged underwater for who knows how long. Not your typical shoes, but Jordans, Kobes, and other Nike shoes. He informed me that these shoes can be cleaned in the washer and dryer. After informing him that these shoes cannot be cleaned that way. He send me a PDF on how to clean Nike shoes, with a tooth brush and mild cleanser.

Been a customer of Country Financial for decades and never had a claim on my homeowners policy. Now the first claim I make because the basement flooded I was denied. Filing a complaint with IL Department of Insurance and Better Business Bureau. No assistance whatsoever from my agent Bob ** of Homewood, IL.

I've had Country Financial for about 5 years due to my Mom having a patient that is an agent with them. At first I thought they were great, I sat down with my agent and signed all the necessary paperwork and paid my dues upfront. THE FIRST MONTH I was with them they charged over $400 to my account and stated I hadn't paid everything, then again the next month... I was an 18 year old kid who then couldn't pay for groceries because of these withdrawals.

We went with Country Financial with our home purchase. We signed all the paperwork right away and did everything we were asked too. Three months later we get a notice that says they are cancelling our policy because we did not do the paperwork. I called them, they said we did in fact do the paperwork, they would look into fixing it. Two weeks later they cancelled the policy. I then looked into the other policies that we had with them only to find out that they were never written and we had no insurance coverage, even though we paid for the policies. I was able to get insured with another company for half the yearly cost for the same coverage.

We had bought home and auto insurance (bundled) from an Independent Agent for over 30 years because they have more than 10 providers to get a better rate. So they always beat State Farm, Allstate, Progressive, and GEICO due to their Provider's lower expenses (m = no advertising). Well, Country Financial doesn't advertise either. Surprisingly, they beat our Independent Agent (who my wife had worked for back in the 90's) both in COST, plus they increased our home coverage with an additional 1 million umbrella coverage, and they increased our home replacement cost an additional $10,000. This package included two riders to the home policy that we had with the Independent. Again, Country Financial's cost was LESS.

I recently bought this insurance mobile and home and I switched everything over. The agent was nice and knowledgeable. However after we bought the policies I felt like she was never available. Also became substantially worse after I went through a divorce and had to sell my house. I never feel like a priority. I never got calls returned. The call center was the worst part. I took my policy. I’ll direct billing at least four different times and I still build direct and took from account. And takes them weeks to refund their mistake and will only do it by paper check. I found the exact same coverage for half the cost with another company. Will never go back or recommend.

I have had Country Insurance for years. I have never filed a claim for my home. I had hail damage and filed a claim. The company has failed to provide enough insurance money for me to even fix half of what has been damaged by the storm. Within the paperwork is a clause that includes matching. However, they state the matching is listed as exclusionary, although it isn't worded that way. All of my neighbors, with other insurance companies, had no issues with getting their legitimate damage covered. I am an ethical, honest person, and I always do the right thing. Not only has this process been unethical, but the professionalism of the people at Country has been subpar and unsatisfying as a customer. Prior to this I had been a satisfied customer.

I changed the Country Financial because I wanted one contact person to speak to. An agent that I know, that knows my financial needs and keeps in contact with me. I had that in a fellow named John at Country Financial. He was great returned my phone calls whenever I had a question or generally wanted to add another policy. I have four policies currently with Country Financial and for two years I have not had an agent and keep being told that I'm going to be assigned an agent. How long does it take to assign an agent? So some "supervisor" is making good money off my policies and not servicing them whatsoever!!! Sick of Country Financial! I pay more money to this company than I need to. I'm so done and I'm currently looking for a new insurance company!

Got a quote for insurance then started receiving a bill with no papers signed then started getting calls from a bill collector saying I owed money on insurance I never went with. Have tried calling numerous times. What a joke.

Country Financial Insurance has been an awful experience. First, they incorrectly wrote my insurance policy so after paying for 10 years, I had a small claim and they tied to say it wasn't covered even after they admitted that they had given me an incorrect policy for the type home. I added a car to the policy but within 2 months they changed my rate to $20 more per month without even contacting me. When I pitched a fit, they changed it back this summer. Only, I've again, after a couple months, bumped it back up hoping that I wouldn't notice on my auto draft. I had enough and cancelled my car insurance only to get a check a month later saying that they had dropped my homeowners insurance as well (notice came 3 weeks after the date they terminated) and reimbursing me for the rate. I called immediately but they refused to help. I'm disgusted with this company.

I had a life insurance policy through Country on my now deceased ex husband and with the money I had left after helping to pay off my kids college tuition and weddings and help them with a home downpayment my Insurance agent urged me to invest to make more money so that I could retire. I met with their financial services personnel and signed up and made some money while paying them several hundred dollars a month to manage it until I could see that the stock market was getting volition and I talked to my agent. He kept urging me to stay with them because I would lose all the money I invested if the stocks came up but he was not putting my money in the more Conservative stocks and I was losing at least $3000 to $5000 a day and the fund lost over 12% value before I finally pulled out. Do not allow them to talk you into their financial Services!

My insurance is through Country Financial and I love my insurance agent. We went with her because she is like "part of our family". She insurances my parents and all of my siblings. She has been here for all my family for many years and she takes care of things without me even having to ask. We stay because she gives the best customer service. Country Financial's rates could always be lower than they are. However, she contacted me about a claim after the hurricane based just on what she has read about my issues on my Facebook page.

I have had Country Financial for over 10 years and my wife had them 22 years. They seem great at sign up, I had no issues on a claim. My problem is the last 6 years my homeowner’s insurance kept going up a $100 roughly every year. This year they tried to play games with me covering my daughter under our policy which her mother (x-wife) has her on her insurance. They chose to add $130 a month without asking first and just direct debit which I caught. This is when the games began of wanting proof of her coverage and my agent saying it’s out of her control... I switched to State Farm and saved $2300 a year on the exact same coverage.