Country Financial Insurance Review 2020: Car, Home & Life

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The Country Financial Insurance Company began in 1925 when a group of Illinois farmers came together to develop insurance plans for fire and lightning. Since then, Country Financial has developed a wide range of insurance policies covering auto, home, life, farm and ranch, business and crop investments. Country insurance also offers guidance on individual and business retirement as well as education funding services.

Country insurance is based in the Midwest but offers coverage in 19 states. While it has a wide range of insurance coverage, it is especially known for the comprehensive auto plans. Country Financial reviews also reveal that the insurance company is ranked highly in customer satisfaction.

Country Financial car insurance

Country Financial has insurance policies for anything that you want to drive including cars, motorcycles, boats and recreational vehicles.

Types of coverage

  • Collision
  • Comprehensive
  • Uninsured and underinsured motorist protection
  • Boat damage
  • Recreational vehicle damage

Additional coverage options include:

  • The Keeper (new car coverage)
  • Emergency road service
  • Vehicle rental and trip interruption
  • Safety class coverage
  • Personal effects coverage
  • Umbrella insurance

Discounts

  • Advance quote discount
  • Engaged couple discount
  • Multi-car and multi-policy
  • Good driver discount
  • Defensive driver discount
  • Legacy discount
  • Good student and college graduate discount
  • Simply drive discount
  • Occupation discount for full-time K-12 teachers, firefighters, police officers, EMTs, and paramedics.

Country Financial home insurance

Country Financial offers basic and premier coverage options for homes, condos and mobile homes as well as renter and landlord insurance.

Types of coverage

  • Property damage from fire or lightning and windstorm or hail
  • Theft
  • Smoke damage
  • Vehicle collisions
  • Glass breakage
  • Falling objects
  • Weight of ice, snow or sleet
  • Electrical damage
  • Sump pump failure and back-up of sewer or drain
  • Advocacy service coverage
  • Earthquake protection
  • Flood insurance
  • Identity theft expense coverage
  • Premier coverage including countertop burns, paint spillage and power surge damage to appliances.

Personal property coverage

  • Jewelry, watches, and furs $2500
  • Silverware, goldware and pewterware: $2500
  • Money and other currency: $200
  • Firearms: $2500
  • Watercraft: $1500
  • Recreational motor vehicles: $500

Discounts

  • Multi Policy discount
  • Dwelling age discount
  • Age of wiring discount
  • New roof discount
  • Safe heat discount
  • Roof discount
  • Alarm credit discount

Country Financial life insurance

Country Financial offers term, universal and whole life insurance.

Term life insurance

Country Financial provides the highest coverage for the lowest price. Term life includes coverage of $50K to more than $1 million for a set period of 10, 15, 20 or 30 years. Country Financial also offers additional features and benefits that you can add on for an extra cost:

  • Child term insurance
  • Return of premium
  • Disability waiver of premium
  • Accelerated benefits

Universal life insurance

This is an affordable permanent insurance option. Universal life allows you to choose the amount of money you would like your beneficiaries to receive from your death benefit. Country Financial also offers additional features and benefits that you can add on for an extra cost:

  • Child term life
  • Accelerated benefits
  • Waiver of specified premium

Whole life insurance

Country Financial provides permanent coverage as well as a variety of benefits that you can use during your lifetime. With whole life insurance, you will have consistent premiums, accessible cash value, a tax-free death benefit and the opportunity to use it for loans and withdrawals. The five payment options for this insurance plan are executive whole life, 10-pay life, 20-pay life, life paid-up at 65 and single premium whole life.

There are also several features and benefits that you can add on for an extra cost:

  • Child term life
  • Term insurance for you or your spouse
  • Accelerated benefits
  • Paid up additions rider
  • Guaranteed insurability option
  • Accidental death benefit
  • Disability waiver of premium
  • Index dividend feature rider

Country Financial ratings, reviews, customer complaints and satisfaction

Country Financial Insurance reviews mark the organization as an overall good quality insurance company. In fact, Country Financial earned an A+ on the Better Business Bureau. Country financial auto insurance reviews are especially good, and they ranked well in the 2019 J.D. Power study — the specific findings are below:

2019 J.D. Power study Country Financial ranking
Auto insurance Among the best
Home insurance About average
Property insurance Better than most

Reasons why Country Financial is a great option

If you live in one of the 19 states that Country Financial serves, you may find that Country Financial meets your insurance needs.

Country Financial is an especially good option if you own agricultural property, equipment and animals, but don’t disregard this company just because you live in the city — the highly rated auto insurance and wide-ranging home insurance options, including condos and renters insurance, are likely to meet your needs no matter where you live.

The biggest drawback of this company is that they are not available in all states, so if you have questions about your area, reach out to a rep at Country Financial.

Additional policies offered by Country Financial

Country Financial stays true to its agricultural roots by offering coverage for all of your rural and farming needs.

  • Farm and ranch insurance
  • Livestock insurance
  • Country estate insurance
  • Crop insurance
  • Pet insurance

Frequently asked questions

Can I insure a small-scale farm with Country Financial?

Yes, if you have small amounts of farming land, but you do not make a living from farming, you can still get protection through Country Financial. Country Estate insurance covers your agricultural investments not included in your home insurance like outbuildings, fences and farm personal property. As long as your annual gross income from your small farm or animal operation stays within a set limit, you can qualify for this type of insurance.

How do I get a quote from Country Financial?

You can easily get a quote online by navigating to CountryFinancial.com and selecting the type of insurance policy that interests you. Then, you will provide your ZIP code and answer a few questions. If you would prefer to speak to an agent, you can call (866)268-6879 to get a quote over the phone.

How do I file a claim with Country Financial?

The easiest way to file a claim with Country Financial may be to report it online or through the mobile app. You’ll need to create a customer account and log in on a computer or mobile device. When reporting a claim, you’ll select the type of claim and provide a brief description. If you would prefer to speak to a person, you can contact a representative for additional help.