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You've got real questions about home insurance, and we've got real answers.
This section is dedicated to shedding light on questions
you should ask to get the right coverage. Because insurance
laws vary from state to state and coverage may not be
available in some areas, the information provided may
not apply in all situations.
If you don't find what you're looking for, we're here to answer all your insurance questions.
What coverage should I consider that might not be included on a standard homeowners policy?
Items such as furs, guns, coins and currency, collectibles and fine china are subject to specific limits of coverage on most standard homeowners policies. If you have any of these types of items that may have an appraised value higher than the specific limits, for a few dollars more, you can purchase the additional coverage you need. You'll need to work directly with your agent or insurer to get this done. You may need special documentation, which could include an appraisal. Optional sewer backup and sump pump coverage is also available from some insurers.
A storm knocked down my tree. Will insurance pay for the removal of the tree?
Normally, your policy will cover removal of a tree that was struck by lightning; however, if wind blew down your tree, generally there is no coverage.
How do I insure against flood?
If you live in a federally designated flood zone, flood insurance is available from the Federal Government. It can be purchased from many property and casualty insurers. Contact your COUNTRY SM agent to see if your home qualifies for flood insurance.
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My son is going away to college. Do I have coverage for his personal items?
Generally, yes. Most home policies provide an extension of coverage for these items.
If a visitor to my home is injured, how do I make sure my insurance pays for the medical bills?
Normally, it is automatically covered under your homeowners policy medical payments coverage regardless of who is at fault.
How much liability coverage should I have on my home and auto policies?
This is impossible to generalize; your personal and financial situations as well as your preferences are unique. This answer can only be determined by working with a professional COUNTRY agent who can tailor a solution to meet your needs.
What do I do if I have a claim?
If you have a claim, call our 24-hour, toll-free COUNTRY
Helpline®, 1-800-846-0100.
At COUNTRY, we want to make sure you ALWAYS TALK TO
A REAL PERSON when you call us for help, 24 hours a
day, 7 days a week.
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