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Home Insurance

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Home Insurance

Intro to Home Insurance

You should understand your coverage.

We want to help you do just that. We'll help you get the coverage you need, so there are no surprises should you have to file a claim.

Coverage Options

Home and Belongings

Choose from three levels of coverage: 

Single popsicle
Basic coverage for your home and everything in it

Our standard coverage protects your home and belongings from hazards like the ones
listed below.1

  • Fire or lightning
  • Windstorm or hail
  • Theft
  • Smoke damage
  • Vehicle collisions
  • Glass breakage (like windows or patio doors)
  • Falling objects (like tree branches)
  • Weight of ice, snow or sleet
  • Electrical damage
Wide single popsicle
Our premier coverage (Risk of Direct Physical Loss)

Our most complete coverage for your home, includes everything you receive with our basic policy, plus protection against covered losses, like the ones listed below. 

  • Countertop burns
  • Paint spillage
  • Power surge damage to appliances
Double popsicle
Combined coverage

Our combined coverage takes pieces from our basic and premier levels of coverage to
provide you with great coverage at a price you can afford. With this coverage, you’ll get our basic coverage for your belongings and premier coverage for your home.

Rebuilding when your home is destroyed

Qualifying home policies come with replacement coverage, but you select the level of that coverage. You have four options to choose from:

Actual Cash Value includes the cost of standard new construction materials and labor minus depreciation, up to 100% of the coverage amount you set for your policy.

Replacement Cost also includes the cost of standard new construction materials and labor, but doesn’t subtract for depreciation, so it’s based on today’s costs. Your claim will be settled at cash value first.

Extended Replacement Cost includes the cost of standard new construction materials and labor, up to 120% of the coverage amount you set for your policy and accounts for inflation

Additional (Guaranteed) Replacement Cost includes the cost of standard new construction materials and labor, with no limit and accounts for inflation (unless you live in AL, GA, or TN, where your limit is capped at 125%). We’re one of a just a few insurance companies that offer this option. It’s the best way to make sure you can rebuild your home.

Liability and Medical Payments

Automatically included with each of our home insurance options, liability and medical payments coverage help 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

This coverage protects you if someone is hurt on your property and you’re deemed responsible, or if you cause damage to someone else's property.

You can select from these available limits:

  • $100,000
  • $200,000
  • $300,000
  • $500,000
  • $1,000,000
More about Medical Payments

This coverage pays for the medical cost if someone’s hurt on your property, regardless of who was at fault.

You can select from these available limits:

  • $1,000
  • $2,000
  • $5,000
  • $10,000
  • $25,000


You could save money with these discounts.

(Availability and amount of discounts vary by state)

Multi-Policy Discount2

Save if you have auto insurance, or another qualifying product with us. Your savings depends on your location, # and type of policies.

Age of Wiring Discount2

If you have newer electrical wiring in your home, you may qualify for up 28% in

Safe Heat Discount

Save up to 15% 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.

Alarm Credit Discount

Equip your home with certain fire and anti-theft equipment, and you could save up to 20% on a portion of your premium.

Dwelling Age Discount

If you have a newer home, you could save up to 40%.

New Roof Discount

If you’ve removed and replaced your roof in the past 10 years, you could save on your home insurance. The newer the roof, the bigger the savings.

Roof Discount2

Houses with certain hail-resistant roofing products offering a manufacturer’s warranty may save up to 20%.

Personal Property Coverage

Standard Personal Property Coverage protects your belongings up to the coverage limit you select. Some categories of things are only covered up to certain limits, which may not equal the full cost of an item that’s been damaged or stolen.

These categories are limited as follows:4

  • Jewelry, watches and furs: $2500
  • Silverware, goldware and pewterware: $2500
  • Money and other currency (except electronic, digital, or cryptocurrency): $200
  • Firearms: $2500
  • Watercraft (like boats, jet skis and trailers): $1500
  • Recreational motor vehicles (like ATVs, UTVs and four-wheelers): $500

If you have high-value items, you may need to list them under Scheduled Personal Property Coverage. This will allow you to increase the coverage for those items, so you have the right protection.

Optional Coverages

These coverages are not included in any of our base coverages but are available for you to add to your protection at additional cost.

Sump Pump Failure and Back-up of Sewer or Drain

If you have a finished basement or use that area for storage, consider adding this coverage. 

If you are eligible, it helps with water damage to your home and belongings caused by:

  • an overflow of an inside sump pump or sump pump well or
  • water back-up through sewers or drains

You can select coverage amounts of $5,000, $10,000, $25,000 or more.

Advocacy Service Coverage

If you fall victim to identity theft or an account takeover, a fraud resolution expert will be assigned to work with you until the issues is resolved. The service guides you through the process of restoring your identity and is available for up to 12 consecutive months from the start date.

Earthquake Protection2

This coverage is only available from the federal government. We can help you get coverage through the federal program if your home qualifies.

Flood Insurance3

This coverage is only available from the federal government. We can help you get coverage through the federal program if your home qualifies.

Identity Theft Expense Coverage

Covers up to $25,000 for expenses that occur due to identity theft or an account takeover.

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.

1 While this is not an all-inclusive list, your policy will contain a full list and definitions of all hazards covered.

2Not available in all states

3Flood 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.

4Not an all-inclusive list

Discounts apply to bodily injury, property damage, medical payments, personal injury protection, comprehensive and collision coverages. Coverage, discount amounts and availability vary by state.

Home insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company®, and COUNTRY Casualty Insurance Company®, Bloomington, IL.