Country Financial Renters Insurance Review 2023
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Country Financial
Coverage options
Discounts
NAIC complaints
Country Financial
Coverage options
Discounts
NAIC complaints
Based in Bloomington, Illinois, Country Financial has been selling insurance for nearly 100 years. Country Financial renters insurance may be right for you if you’re looking for solid coverage options and good customer service. But you can’t buy a policy online, and the company serves only 19 states.
Country Financial renters insurance star rating
5.0
NerdWallet ratingCountry Financial renters insurance earned 5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Based on this rating, Country Financial is among NerdWallet’s Best Renters Insurance Companies for 2023.
State availability
Country Financial sells policies in 19 states.
Country Financial renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
Type of coverage | What it does |
|---|---|
Covers your clothing, furniture, electronics and other belongings. | |
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs. | |
Pays out if you're responsible for injuries to other people or damage to their property. | |
Medical payments | Covers injuries to other people in your home, regardless of fault. |
For more details, see What Does Renters Insurance Cover?
Besides the usual coverage, Country Financial may include refrigerated food coverage in its standard policies, depending on where you live. Refrigerated food coverage can pay for the cost of spoiled food if your refrigerator is broken due to a covered loss.
If you need more coverage, you can add the following options:
Coverage for high-value items. Like most renters policies, Country Financial insurance has limits on how much it will cover for valuable items like jewelry and firearms. If your belongings are worth more, you may want to insure them separately to make sure they’re covered. An appraisal may be required.
Premier coverage for personal property. This upgrade means your belongings will be covered not only for standard problems such as fire and theft, but also for things like broken antiques and appliances damaged by power surges.
Replacement cost coverage. If you have older items, such as a 3-year-old computer or a 10-year-old mattress, a standard policy would pay out only their current value if they were stolen or destroyed. Adding replacement cost coverage means you’ll get paid enough to buy brand-new items.
Identity theft coverage. If someone steals your identity, this coverage can pay for some associated expenses and provide a specialist to help you get back on your feet.
Water backup coverage. This endorsement pays for damage if water backs up into your home from a drain, sewer or malfunctioning sump pump.
Personal injury protection. This coverage protects you if you’re accused of libel or slander.
Discounts
You may be able to save on your renters policy by:
Buying more than one Country Financial policy.
Going at least five years without filing a claim.
Making payments on time for at least three years.
Being a new Country Financial policyholder.
Consumer complaints
Country Financial had far fewer than the expected number of complaints to state regulators relative to its size for home insurance, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints cover other home policy types, including mobile home, renters and condo insurance.)
Consumer experience
Website: The Country Financial website offers most of the basic services you’d expect, including bill payment, claims filing and coverage information. The site also has some limited content in Spanish. However, you can’t get a quote or buy a policy online.
App: You can use the Country Financial app to report and track claims, manage payments, see policy information and contact your representative.
Claims: Customers can start and track claims online, in the app or by calling 866-COUNTRY (866-268-6879).
Customer service: You can contact Country Financial at 866-COUNTRY (866-268-6879) or through the contact form here.
Where Country Financial stands out
Coverage. With plenty of policy endorsements to choose from, Country Financial’s renters policies will likely suit most renters’ needs.
Consumer complaints. The company’s low volume of complaints suggests that Country Financial’s policyholders are generally happy with their coverage.
Where Country Financial falls short
Availability. Country Financial renters policies are available in fewer than half of U.S. states.
Online quotes. You won’t be able to plug in your details and get a quick quote on the Country Financial site. Instead, you’ll need to work with an agent to determine your coverage and rate.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
Amica. Amica has a large number of coverage options and ranks high in customer satisfaction.
Nationwide. Nationwide renters insurance covers more than just the basics.
State Farm. One of America’s biggest carriers, State Farm offers multiple renters coverage options and gives you the ability to bundle insurance types.
Travelers. Travelers is available in most states and offers multiple insurance products, making bundling easy.
Renters insurance ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage options, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
