Country Financial Homeowners Insurance
Country Financial Homeowners Insurance
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Country Financial Homeowners Insurance

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Last updated: March 6, 2018

57 Country Financial Homeowners Insurance Consumer Reviews and Complaints

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Verified Reviewer
Original review: March 6, 2018

Feb 20th 2017 my family experienced something unbelievable. We had a pipe burst in our home leaving us with over 10 ft of water. Called our insurance co. to file a claim only to be called back 20 min later to be denied our claim. No adjuster came out to look at the damages. No one was concerned we lost all our belongings and have no place to go. This is the worst insurance co. I have ever dealt with. Still 2 weeks later no help. What's the point of having insurance at all? My family homeless.

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Verified Reviewer
Original review: Nov. 25, 2017

Filed claim on my Sea Ray Cruiser Sep 9 2017. My adjuster from Centralia IL has not cooperated with me at all. He cant look at boat on weekends or anytime I try to set up. We had words over phone. He called me an ** twice on phone. One of my employees heard him. I had him on speaker phone. Called my agent. Told me they dont have expertise to handle boat claims like cars or homes. Huh but you're going to sell me a watercraft policy. That is also on my recorded voice mail from my agent. Also informed by my agent my claim reassigned to new adjuster. Hear from them couple days. Been over a week heard nothing. I own the boat. My friend and I are going to do the bodywork. So of course adjuster treated me like scammer. This company is horrible. I'll update this post. Let everyone know how it settled out.

7 people found this review helpful
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Verified Reviewer Verified Buyer
Original review: Nov. 14, 2017

Had hail damage in 2017 from storms in Minneapolis, MN. My roof needed to be replaced along with some other minor damage. Country Insurance took care of everything without a problem. Even the roofing contractor was impressed.

3 people found this review helpful
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Verified Reviewer Verified Buyer
Original review: July 19, 2017

I wanted to say thank you to all the Country Financial employees who helped my account get situated, both from the customer service line and the Pooler, Georgia location. A special thanks to Ms. ** who was able to finally get the problem fixed for me. Thank you so much for looking out for me. Please award her with a customer service award for exceptional service for Country Financial customers!

4 people found this review helpful
Verified Reviewer Verified Buyer
Original review: May 9, 2017

On 2/19/17 a shared water line to my condo busted and flooded my area. I contacted the association that evening. The following day a restoration company arrived. They had put holes in my drywall in order to access the exterior party wall. Air movers were placed in those areas for 3 days to dry out. When the HOA filed the claim with country the claim adjuster stated I was responsible for the dry out. I tried to explain the dry out was for the exterior not the interior wall. Unfortunately I was stuck paying the bill. If the adjuster would of taken 15 minutes out of his time to come over & assess the damage I believe I would have had different results. This is the worst insurance company I had to work with. Worse yet they are our insurers for the HOA.

13 people found this review helpful
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Verified Reviewer
Original review: May 5, 2017

I had been a Count States Insurance customer for over 50 years and they got bought out by COUNTRY INSURANCE and I had a water leak claim and it took contractor over a month to fix and we were eating out because we were inconvenienced with dishwasher being out. I think these folks are nothing but out crooks. BUYER BEWARE FOR SURE. WOULD NOT RECOMMEND TO NO ONE.

14 people found this review helpful
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Verified Reviewer
Original review: Jan. 13, 2017

I had Country insurance for almost ten years. Had one claim for under 500 which agent advised me to file a claim. Now couple years later I'm in process of purchasing a home and didn't realize that claim would greatly affect me getting coverage at fair market rate. I check with several insurance companies that stated if they had been my agent they would never had advised me to file that claim. I tried to settle that matter with corporate several times. They were nasty and rude. I would not recommend this company to a dog. I will never ever use them again. The only good thing about Country Financial is they will do prompt payments but trust me you will pay for it. Hopefully they will get better. However I'm not holding my breath. Worst company ever.

16 people found this review helpful
Original review: Dec. 16, 2016

I have been with Country Financial for 8 months and they are the WORST to work with. They entered my account number wrong in their system and because of this they did not receive my down payment or my 1st month payment. Setting me behind. I originally pay 183, but because of their mistake, I have to pay 325 a month to get caught up. When I called to complain about this problem, they said there's nothing they can do and I just have to pay my payments. BULL CRAP! This was so on their end not mine. I should have gotten a discount or something for their mistake!

Then I had someone hack my check books and my bank account was on freeze and no money could be taken out until I went to the bank to get everything cleared. I was 1 day late, I called them on the 16th (my payments are due on the 15th) to explain what happened and they told me that because I am late that they would charge an extra 25.00 for late fee. UNACCEPTABLE. Also told me that I could pay it on the 16th but they would rather me pay it when I got my invoice because "It's easier for them". THEY DO NOT WORK WITH THEIR CUSTOMERS AT ALL. THEY ARE GREEDY AND VERY RUDE.

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21 people found this review helpful
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Verified Reviewer
Original review: Nov. 2, 2016

On 10/21/16 I cancelled my auto insurance account and started a new one with Progressive. On 10/25/16 COUNTRY FINANCIAL charged my account $498.00. I have gotten the run around in regards to my refund. First I was told that the charges would be reversed in 1-2 days. That did not happen. Next I was told I will have a refund sent in the mail in a couple of days. That also not happened. I was also told that they do not track checks that they send out in the mail. Today is Nov. 2, 2016 and I still do not have a refund. Please do not consider COUNTRY FINANCIAL for insurance. They are a FRAUD. I cancelled service and they still took money from my account four days later and have not returned my funds. That is considered thief. What a company. This happened at the Belleville Illinois office.

22 people found this review helpful
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Verified Reviewer Verified Buyer
Original review: Oct. 19, 2016

Been with Country for over 25 years. In that time I filed 3 claims. All my neighbors got 2 new roofs for hail damage in that 25 years from their insurance companies. My roof each time the sand was beat off into my gutters, and whirly birds dented to heck. Roofers said hail damage. Called adjusters out both times and the first time would only cover 3 squares, as for my 8 neighbors around me they all got new roofs. The second time sand beat off singles and whirly birds dented to heck. Neighbors all got new roofs from their insurance company. County said manufacture defect. They do not pay claims on your house. Just collect premiums from you. Don't use them. You will be alone when your home is damaged.

27 people found this review helpful
Original review: Sept. 26, 2016

After having a homeowners policy and life insurance for 2 years I received a letter saying my insurance will be terminated for nonpayment of a farm bureau fee. Since my insurance is escrowed and everything is paid by the mortgage company, I emailed my agent Brian ** to see what the issue was. After being told my membership was past due and I would need to pay for it plus a reinstatement fee, I said I would pay for the membership, but the $10 reinstatement fee needed to be waived.

Since I was told everything was being escrowed and paying about $2400/year, you would think there would be some understanding and a simple $10 fee wouldn't be charged, but heck no. I was told, by the agent it is not in his control and call the bureau. That is not exactly the customer service I would expect, so after more emails of the basic I don't care attitude from the agent, I terminated my insurance. BTW, I got much better coverage for $20 more per year from another carrier, and that is even before my discount for multi-policy will kick in. In an industry where I can get the same product from multiple people, customer service is huge for me, so hopefully this agent will get better at it for his other clients.

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17 people found this review helpful
Verified Buyer
Original review: Aug. 28, 2016

On May 3rd 2015, I had hail damage on my home. 7 of my aluminum clad windows along with 2 sides of vinyl siding were damaged. Mr. Brad ** of Country Financial inspected my home. He stated that they would pay to have the windows RE-CLAD while still installed on my home (Neither I nor 3 professional contractors including the one that Mr. ** scheduled, have ever heard of re-cladding a window in the field!). He then stated that insurance would only pay to replace 1 of the sides of damaged siding even when he knew that the color would not match the original siding, then they were going to use some of the old siding to repair the second damaged side.

I told him that I was not going to let him cheapen the value of my home with such amateurish repairs. Mr. ** tried to get me to accept a check for a little over $2000.00 for the damages. I refused to accept it. My contractor sent an estimate for windows and siding to Mr **. He still refused to replace all of my siding. I then wrote a letter to the Minnesota Chamber of Commerce. During this time my contractor was forced to take other jobs and rescheduled me for later.

Surprisingly on the day I got a response from the Chamber of Commerce I received a letter from Country Financial stating that they had reviewed my policy and the repairs would be covered. Finally in May of 2016, The repairs were complete, but Then Mr. ** sent a letter stating that they would not pay for the dumpster needed to haul away the refuse, and they were closing the claim. In my opinion Country financial is the worst Insurance company I have ever heard of. Mr ** was totally unprofessional and extremely rude and had a superior attitude. My business with them will be ending shortly!!!

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18 people found this review helpful
Verified Reviewer
Original review: Aug. 17, 2016

Took about 4 months to follow up with a claim. SCOTT ** was the adjuster. Have to say, I've never corresponded with someone as slow and incompetent. I'm surprised he has a career with Country Financial Homeowners Insurance in Alpharetta, GA rating his professionalism. I hope Country Financial Homeowners Insurance does something to improve their overall customer service. Looking at your stars and ratings and being a business owner I would. Probably the first day my company has received a bad review. This is directly to Scott ** at Country Financial Homeowners Insurance.

18 people found this review helpful
Verified Reviewer
Original review: Aug. 8, 2016

They were not efficient in communicating with me about very important details with my policy. I had to call them to find out they were cancelling my policy due to changes. I would never recommended them anyone.

15 people found this review helpful
Verified Reviewer
Original review: July 5, 2016

They jacked up my bill over $220.00 a year for no reason. They say inflation, I say greed. They said everyone got jacked up, again I say greed. For someone that has never claimed nothing to get an increase is fraud. Inflation is caused by the insurance companies and government that get paid off by insurance companies to do what they want like jack up our bills for no reason. If you are looking for a new insurance, do not stop here! Keep looking! I have not had any claims on home owners and car insurance, as it stands I paid $1800.00 a year for both and now they decided to jack it up $220.00 more. This is so nice since I do everything I can to prevent claims. Corporate greed and fraud.

22 people found this review helpful
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Verified Reviewer
Original review: June 28, 2016

Does not respond to claims promptly or fairly. Adjuster grossly underestimated repair costs, in fact car cannot be repaired at all. If you use this company, expect to be going to court if you are involved in an accident. They will refuse to pay for damages that you cause if you are found to be at fault.

22 people found this review helpful
Verified Reviewer
Original review: March 21, 2016

I have been a customer of Country Financial for 20+ years and have never had a claim. Four months ago, my boyfriend backed into someone in my car. They raised my rates from $648.00 for full coverage to $824.00 for six months. I just cancelled today. GEICO was $564.00 for six months and my deductible is only $250.00 and not $ 500.00, along with better coverage. They even said if I take an online class that they would lower my payment to $511.00. Country Financial is company is the biggest rip-off and they do not care about their customers. I wish I would have changed years ago!!

29 people found this review helpful
Original review: Jan. 28, 2016

We have been with Country Financial for over 20 plus yrs. We had a claim concerning our roof and asked the claim rep to look over the entire roof. There have been storms in our area and we called in a claim to view the roof. From the claims reps that visited our home they all said "Your roof is fine and will last another 10 yrs." Then we received a letter from Country Financial saying that they are sending out a professional roof inspector to view our roof and we did not need to be at home. Later we got a letter in the mail stating that Country Financial would not be insuring our roof because it needed replaced. What kind of crap is that! I called our agent and he said this was the companies doing and out of his hands.

So in other words Country Financial is saying that we (the homeowners) damaged our roof. Our roof was damaged due to the storms and hail we had in our state and mostly everyone on our street was getting their roof replace because of that so Country Financial is saying the storm and hail just passed over our home. We've had our cars, life and homeowners insured by Country Financial and very little claims in 20 plus years. This is so unfair and if anyone finds out about a lawsuit against this issue please contact me.

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53 people found this review helpful
Original review: Jan. 25, 2016

I was told a wrong information by Country Financial Customer Service. When speaking with Emily ** - Customer Service manager she said that they can't do anything about it besides saying sorry and disconnected. Their mistake cost me hundreds of dollars. I'm shocked that multibillion company like Country Financial treats their customers like that. After 6 years of being their customer they said there is nothing that they can do. In result I will lose multi-policy discount which is equal to $414 as of January 25th, 2016. Please think twice before you choose your insurance company.

32 people found this review helpful
Original review: Jan. 9, 2016

It's going on a month and a half, and still no policy reinstated. My account was terminated when asked to make a SMALL CHANGE to my policy (which I stated 3 times). I was told the change was made. A week later - policy CANCELED! The company has refused to activate the policy again. Nothing was owed, all payments were on time. This is by far the worst company I have ever dealt with and I'm glad to say in 3 days I will be back on AAA and paying a little extra to Progressive (whom I wanted to go to in the first place). I would NEVER do business with this company. A complete joke of customer service and their entire "underwriting" team seems to be an even bigger group of jokers. DO NOT USE COUNTRY FINANCIAL.

24 people found this review helpful
Original review: Jan. 8, 2016

To those of you that are so happy w/ your Country Financial Insurance - BUT HAVE NEVER FILED A CLAIM - I wish you all the best! They apparently are just fine... until You NEED them! What good is an insurance company that is more than happy to take your money every month - for decades - but when You go to file your first claim, after the entire state has been declared a disaster due to the flooding and a WINDSTORM AND RAIN like nobody has Ever seen... your roof is half gone - half of the trees, if still standing have lost all of their limbs - and half of your ceiling is on your floor... they DENY YOUR CLAIM?

33 people found this review helpful
Verified Reviewer
Original review: Dec. 9, 2015

Been with this insurance co. for 20 years. No accident. No ticket in 4 years. They were charging me almost triple of what other insurance co. would. Left them after my insurance expired and they're still wanting me to pay them because I didn't notify them. I was already insured by another co. There were no claims with this horrible co. Asked for information and they are rude and disrespectful. Do not use them!!!

32 people found this review helpful
Verified Reviewer
Original review: Nov. 10, 2015

We have had a pleasant experience with Country Financial. Our representative is knowledgeable about the company and insurance that would be useful for us. We have not had a claim with them so I cannot comment about how the end of the company operates.

9 people found this review helpful
Verified Reviewer
Original review: Nov. 7, 2015

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 presented for review when there are any changes.

9 people found this review helpful
Verified Reviewer
Original review: Nov. 3, 2015

Company is great and have received great service in the past. Was a little disappointed when I changed my car insurance to another company and saved a lot of money, but they did not offer homeowners insurance. The price of my homeowners policy was dramatically increased.

12 people found this review helpful
Verified Reviewer
Original review: Oct. 30, 2015

Haven't had any claims to handle. Price is competitive with other carriers. Happy with the service.

8 people found this review helpful
Verified Reviewer
Original review: Oct. 26, 2015

Premiums go up every year. Don't understand it because the coverage stays the same. I have never made a claim and don't think my premiums should keep going up.

17 people found this review helpful
Verified Reviewer
Original review: July 14, 2015

Great company to work with, my agent was very professional and thorough in making sure I had the insurance coverage that I needed. You could tell they genuinely cared about me. Even when I had a claim they were fast and didn't cut corners to pay the claim and get my car fixed!!!

7 people found this review helpful
Original review: June 1, 2015

We've been with Country Companies for 21 years, this year. We have had outstanding Insurance Agents; **. But these yo-yo's here in Las Vegas have had no interaction or customer follow up with us since we moved here. When we moved to Las Vegas, no one would return our call. Then the one agent who did kept screwing up the details of our policy and request. I finally had enough and told them to get me someone else. ** became our new rep. After four years, we've still never met face to face and the ONLY interaction we have had has been initiated by myself.

I'm so mad I could spit nails. And to top it off, I have a feeling we've been overcharged insurance premiums since we moved here. How can another insurance company insure our 4 vehicles, carrying the same exact coverage and a lower deductible, beat Country by 300 per month? 300.00! We have had no claims in 5 years. One claim in the last 15 years and our premiums just kept going up and up. Some case it went down, but then there was no follow-up as to why.

That's something I always appreciated about **. The fact that she has a relationship with her customer base and actually has an interest in what's best. The agents in Las Vegas need to find another occupation. We've been here 4 years and not once has my agent ever contacted us. I'm always the one contacting her. And we've still never met face to face. I find the lack of customer service here in Las Vegas, by Country, is zero to none. I'm so stinking discouraged and upset that I'm totally second guessing our decision to stay with you for so long. We have 8 life insurance policies with you and I'm really on fence on whether or not to keep them with you. I don't care how much it costs me at this point. I can pay for the difference using the money I save in auto premiums.

Honestly, I feel cheated and used. We've paid over 35k in auto premiums in the last 5 years. That's enough to buy a car! No claims, until Wednesday when a boulder hit my son's windshield. I find out that I agreed to decline the glass coverage to help reduce his insurance premiums. His premium went down last year and we never got an opportunity to go over the policy again to hear recommendations of adding what we deleted. So, after 5 years of paying out thousands of dollars, and at the moment, spending 700.00 per month for auto, I have to pay 500.00 out of pocket for a windshield. I'm furious! I'm sure there could have been a way to back the claim out or cancel, add the coverage and then make the claim.

Oh well, I'm tired of dealing with this Las Vegas office. We are moving our auto and homeowner policies to another company. I informed our agent of this decision on Thursday... no call, no email regarding our desire to leave. Probably glad to get rid of me. I don't know. I just don't understand how you let a 21 year customer walk away over a glass claim. I guess my Midwest roots are sore. I wanted to let you know the reason and I want to tell someone about this. Either represent your customers with the same exemplary service as other places or close up shop in Vegas. Someone in upper management needs to know what the heck is going on in Las Vegas. After 21 years, I just feel like I'm experiencing a bad divorce. :( I think we deserve better than this, and so do your other Las Vegas residents.

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26 people found this review helpful
Original review: May 20, 2015

Absolutely one of the worst experiences in my career. I own and operate my own company which I have built from the ground up. I deal with all sorts of business owners, representatives, clients and other professionals in my line of business. For this reason, I have very thick skin and understand the day to day challenges of success. I typically do not leave negative reviews but in this case I feel that my experience needs to be heard. If you are counting on an insurance company to cover your back and support you, Country Mutual is not where you want to be.

** has caused so many headaches for me and my company over the past year it is unfathomable. Time after time, I gave him understanding and patience but at a certain point enough is enough. Country Financial has let me down in the following ways; complete lack of communication of account updates, billing and responses to changing needs. Never met a single deadline. I couldn't even get a declarations page within a month. Never updated my banking account to continue auto pay for my commercial vehicles. Instead it was ignored for 5 months.

I needed to add a venue as an additional insured. 4 months later I received it (after several phone calls). ** blamed all of his/my account troubles on the prior agent. A professional would address and represent a client as their own, no matter the past. A professional would also make a client feel secure which I never did. Did I mention not being billed for auto insurance for 5 months with no phone call or any notification? I was forced to pay 2 months after leaving Country Financial which amounted to over $1,000.00. "**, why am I being issued an outstanding balance of over $1,300.00?" "Don't worry about it **, I will take care of this and alert you to any question." 6 weeks later a collection agency is calling me.

Upon calling ** and informing him of my desire to change providers, his response was "I was waiting for this call." In hindsight I should have cancelled with this guy from the start but I made the mistake of considering him a professional. Something else to note is after leaving Country Mutual, my new (and current) representative was absolutely astonished by the lack of coverage for my business. He says that I am very fortunate that no incident happened under their coverage. If you are reading this review I hope you know that Country Mutual Insurance is an absolutely terrible company. I wholeheartedly wish you never have to go through what I have gone through.

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22 people found this review helpful

Country Financial Homeowners Insurance Company Information

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Country Financial Homeowners Insurance

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