Country Financial Homeowners Insurance

Country Financial Home Insurance

 2.0/5 (98 reviews)

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Overall Rating2.0 out of 5
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About Country Financial Home Insurance

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Country Financial is a home insurance provider that’s available in select states. It has three policy options with flexible coverage that can fit several budgets. The company also offers 24/7 claims, a mobile app and some discounts, including new wiring and theft protection.

Pros & Cons


  • 24/7 claims
  • Mobile app
  • Three policy options


  • Only available in 19 states
  • Discounts limited

Bottom Line

With three policy options, Country Financial offers flexible and affordable home insurance coverage. Though its availability is limited to 19 states, it’s a solid option for homeowners in its service area.

Top Country Financial Homeowners Insurance Reviews


Efficient, thorough and reasonable prices. All claims are handled professionally and quickly. Am always able to speak to someone in person when I call. Paperwork is completed and ...

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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 has been here for all my family for many ...

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What is Country Financial home insurance?

Country Financial is a home insurance provider that sells customizable protection policies in 19 states. The company specializes in supportive and community-centered customer service, and it has nearly 100 years of experience providing flexible policies for homeowners. It offers three policy options, 24/7 claims, some discounts and a mobile app for policy management.

What does Country Financial home insurance cover?

Country Financial provides three home coverage options:

  • Basic coverage includes protection against fire, windstorm, theft, smoke, vehicle collision, glass breakage, falling object and electrical damage.
  • Premier plans include all basic coverage plus protection against things like countertop burns, paint spillage and power surge damage.
  • Combined coverage offers basic coverage for your belongings and premier coverage for your home.

All three policy options come with replacement coverage, medical and liability protection and personal property coverage, although you’ll have the ability to customize your coverage levels within each category. Country Financial also offers optional coverages, like sump pump, earthquake and flood insurance, for an additional cost.

Country Financial home insurance quotes

Country Financial doesn’t offer online quotes, but you can easily submit a request through its website for a call from a representative. While this isn’t as effortless as an online real-time quote calculator, this process does allow for more accurate pricing information. Country Financial provides some home insurance discounts, as well — some up to 20%. Its most popular discounts include those for newer homes, alarm systems, safe heating and more.

Country Financial home insurance FAQ

Where is Country Financial home insurance available?

Country Financial is available in 19 states: Alabama, Alaska, Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, Nevada, North Dakota, Oklahoma, Oregon, Tennessee, Washington and Wisconsin.

Does Country Financial home insurance cover old homes?

Yes, but it offers discounts for homes with newer features, like updated wiring and roofing.

Who owns Country Financial home insurance?

Country Financial is a privately owned insurance company.

Where is Country Financial home insurance located?

Country Financial is headquartered in Bloomington, Illinois. It also has other locations throughout the U.S.

Is Country Financial home insurance good?

Country Financial home insurance is a solid home insurance option that's worth checking out. Its customizable policies, which include generous levels of base protection, are fairly straightforward and easy to understand. Although it’s only available in 19 states, most eligible homeowners should be able to find a Country Financial coverage policy that fits their needs and their budget.

Country Financial Homeowners Insurance Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: April 17, 2023

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.

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Verified Reviewer
Original review: March 4, 2023

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.

Issue #2. I had a very difficult time getting a hold of my claim agent call more than a dozen times and being sent to voicemail. She did answer her phone once and in less than a minute we were disconnected. I immediately called her back and the call went straight to her voicemail. She did leave me a message that she was denying the repair to my tailgate. She said that the damage to my tailgate was "inconsistent" with the other damages. Apparently, she is calling me a liar and I don't appreciate that. That is the only communication I have had from her.

During the many calls to her voicemail, her message said to dial 0 and a claim agent would answer, which I did. A woman did answer the phone. I do not believe she was a claim agent as she did not have the ability to make decisions. I explained to her how the damage was done to the tailgate. It did not matter as my explanation fell on deaf ears. I was told that I would need to talk to Sara **, my claim agent.

Issue#3: There were scratches on the paint on my tailgate. As mentioned this was denied because the damage was "inconsistent" with the other damages. I didn't realize that Sara ** was at the scene of the accident. I can pay for the repair of my tailgate (which I will) but why have insurance if claims are denied. This is a ~$600 fix.

Issue #4. My premiums were increased by $100 per year due to this accident. I have been a loyal customer for many years and never made a claim on any cars that I drive. I feel this is a bit greedy on your part.

I am sorry to say that Country Financial is willing to lose my business (~$4,000 a year in premiums) over a $600 fix to my tailgate and a broken claims process (or maybe Sara is not very customer-focused).

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    Verified Reviewer
    Original review: Jan. 30, 2022

    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!

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    Verified Reviewer
    Original review: Oct. 12, 2021

    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.

    5 people found this review helpful
    Verified Reviewer
    Original review: March 5, 2021

    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.

    15 people found this review helpful
    Verified Reviewer
    Original review: Jan. 21, 2021

    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.

    14 people found this review helpful
    Verified Reviewer
    Original review: May 27, 2020

    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!

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    Verified Reviewer
    Original review: April 5, 2020

    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.

    19 people found this review helpful
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    Verified Reviewer
    Original review: March 11, 2020

    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.

    21 people found this review helpful
    Verified Reviewer
    Original review: Dec. 30, 2019

    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.

    30 people found this review helpful
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    Country Financial Homeowners Insurance Company Information

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    Country Financial Homeowners Insurance