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You should feel at home with your insurance protection. We're here to help make that happen.

Home Insurance

Intro to Home Insurance

Understanding your home insurance coverage can help you avoid surprises down the road.

We’re committed to making sure you know what you’re covered for, and in helping you get back to normal as quickly as possible if you have a claim. Homeowners insurance can give you coverage for many different risks you face as a homeowner, and what’s protected varies depending on the policy you choose. Home insurance from COUNTRY Financial® provides coverage for your: house, other structures (like garages and storage sheds), belongings and liability risks.

Coverage Options

Home and Belongings

You can choose from three levels of coverage for your home, other structures and belongings:

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Basic Coverage

Coverage for specific risks listed in your policy.

Specific coverages will be listed in your policy for things like:

  • Fire or lightning
  • Theft or vandalism
  • Wind or hail
  • Freezing of plumbing
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Premier Coverage

Our best coverage 

In addition to what the basic policy includes, you'll also have protection for accidents like:

  • Countertop burns
  • Paint spillage
  • Power surge damage to appliances
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Combination Coverage

Basic coverage on your belongings and Premier Coverage on your home.

You can also choose from the following claim settlement types:

Actual Cash Value

Coverage for your home and belongings at the cost to repair or replace the damaged property, minus depreciation.

Replacement Cost

Coverage for the cost to repair or replace your home and belongings. So if your home is destroyed by a covered loss, we'll pay to rebuild it.

Since predicting home rebuilding costs isn’t an exact science, COUNTRY Financial offers extra replacement cost coverage on homes that qualify:

  • Extended Replacement Cost: Extra coverage to rebuild your home, up to 120% of the limits on your policy.
  • Additional Replacement Cost: Extra coverage to rebuild your home, regardless of the limits on your policy (with a max of 125% in AL, GA and TN). COUNTRY Financial is one of the few companies to offer this additional coverage.

Liability and Medical

Liability coverage is automatically included with your home insurance and helps protect you if someone is injured on your property, you're responsible for damages to someone else's property, or you're sued for those injuries or damages and have legal defense costs.

More about Liability
  • Choose liability limits up to $1 million
  • Add optional liability coverages (for in-home businesses, recreational motor vehicles, watercraft, rental dwellings, etc.) for an additional cost
  • Add a personal umbrella liability insurance policy if you need more than $1 million in coverage1
Medical Coverage

Medical payments coverage can provide coverage for others’ medical costs if they’re injured on your property. You can choose up to $25,000 in coverage.


We want to provide you with quality home insurance at an affordable price. So we offer several home insurance discounts to help you save money. (Availability and amount of discounts vary by state.)

Talk to your COUNTRY Financial representative to see if you qualify for:

Multi-Policy Discount

The more policies and services you have with us, the more you can save.

Alarm Credit

Available if your home is equipped with certain fire and theft prevention equipment.

Age of Wiring Discount2

Your home may qualify depending on the age of newer electrical wiring in your home.

Safe Heat Discount

Save money if your home doesn’t have a solid fuel burning unit (like a wood burning stove), or has a built-in fireplace without a fireplace insert.

Dwelling Age Discount

Save extra money if you have a newer home.

Roof Discount2

An extra discount for houses with certain hail-resistant roofing products offering a manufacturer’s warranty.

More Coverage Options

We know your life and your home are unique to you. So we offer extra choices at an added cost to customize your home insurance coverage.

Coverage for High Value Items

Some of your possessions are only insured up to specific limits. Some examples include:

  • Jewelry, watches and furs: $2500 ($1500 in GA)
  • Silverware, goldware and pewterware: $2500
  • Money and other currency: $200
  • Firearms: $2500
  • Watercraft (like boats, jet skis and trailers): $1500
  • Recreational motor vehicles (like ATVs and 4-wheelers): $500

If you have high value items you have questions about, talk to your representative about insuring them separately. It's usually very affordable and you'll have peace of mind knowing you're protected.

Coverage for Additional Risks

The following risks aren't included with the base home insurance policy, but you can buy extra coverage for:

  • Identify theft
  • Earthquake damage
  • Seasonal dwellings
  • Sump pump failure and/or back-up of sewer or drain
  • Mine subsidence (for damage caused by underground mine collapse)2
  • Loss assessments from a homeowners association3
Flood Insurance

Home insurance doesn't cover flood damage, and flood insurance is generally only available through the National Flood Insurance Program. We can help you get coverage through the federal program if your home qualifies.4

We can help!

Give us a call 24 hours a day.



Introducing COUNTRY Financial® Mobile

Need to view your insurance card in a hurry, pay your bill over your morning coffee, or contact your rep? You can do all of that and more with our app. Download it today!

  • iOS Link
  • Google Play Link

For product and service information, read our Terms & Conditions.

Alabama residents: Review the Alabama Bill of Rights for additional information.

1 An auto insurance policy may also be required for umbrella coverage.
2 Not available in all states.
3 Loss assessments are included in the base policy in some states.
4Flood insurance policies are offered through CC Services, Inc., from various third-party carriers not affiliated with COUNTRY Financial®, in accordance with the National Flood Insurance Program. The issuing carrier is responsible for all claims determination as well as claims paying ability. For more information about CC Services, Inc., read the License and Name Information in our full Terms & Conditions.