Get the Proper Protection for Your Home

Standard (Broad Form)

Our standard coverage protects your home and belongings from common events

Premier (Risk of direct physical loss)

Our most complete protection for your home includes everything you receive with our basic policy, with extra protection for physical damage to your home and belongings. Most companies offer this coverage only for your home, not your belongings. Ours covers both.  

Combination

A blend of both our basic and premier coverage, includes our basic coverage for your belongings and premier coverage for your home. 

Compare our coverage levels

This chart gives you a quick overview of how they compare. Make sure to refer to your policy for specific questions or information regarding your coverage.

 

Coverage

Basic

Combined

Premier

Helps repair/ rebuild your home if it’s damaged during a fire, storm, tornado, etc.

Yes

Yes

Yes

Helps repair/replace your belongings if they’re damaged or stolen 

Yes 

Yes 

Yes 

Helps pay some medical bills for visitors injured in your home or on your property 

Yes

Yes 

Yes 

Helps pay legal bills for visitors injured at your home or property or if you damage someone else’s home (Ex: If  you hit a golf ball through someone’s window)

Yes 

Yes 

Yes 

Helps rebuild your home if it’s completely destroyed (called replacement cost) 

Yes 

Yes 

Yes 

Provides protection for a single occurrence of physical damage to the structure of your home, like floor tiles damaged from a paint spill

No 

Yes 

Yes 

Provides protection for a single occurrence of physical damage to the belongings in your home, like furniture damaged from a paint spill 

No 

No 

Yes 

Ready to start?

Start online, find a local rep, or call us at 866-268-6879. We'll help you find the home insurance that works for you.

How do I choose?

Your COUNTRY rep will meet with you to talk about your home, the things you own, your budget and more, to help you choose the coverage that works for you.

Answer these questions to help prep for that meeting: 

  • Do you have a home inventory? If not, do one in less than 10 minutes.
  • Do you run a business out of your home?
  • What year was your home built?
  • Have you made upgrades to your home? 
  • Do you own a pool, trampoline, or playground set?
  • What is the square footage of your home?
  • Do you own a monitored central station burglar or fire alarm system?
  • Do you have a finished basement or a sump pump?

Choose your settlement options

You choose how your property will be valued in case of a loss. Your options include different levels of coverage like actual cash value or replacement cost. Your rep can help you decide which option works best for you.

Actual cash value

Actual cash value (ACV) protection is the dollar amount you’d receive if your home or belongings are damaged. ACV subtracts for the reduced value of the item due to time and wear and tear, or depreciation. 

What does that mean? Here’s an example:

If you purchased a smart TV for $1000 two years ago, and it’s damaged today, you’ll be reimbursed for the current cost of the TV (what you'd pay for it today), minus depreciation. The reimbursement will not be equal to what you originally paid for the TV.

This also applies to your home. If you purchased a brand-new home five years ago and it’s damaged or destroyed, the amount available to rebuild or repair under ACV is limited. It includes the cost of labor and construction materials, minus depreciation, up to 100% of the coverage amount you set for your policy. If construction costs have gone up or the value of your house has gone down, this may not provide you enough money to fix the damage.

Replacement cost 

This coverage helps you rebuild if your home is damaged or destroyed. You set the amount of coverage you have based on these options.

Replacement cost includes the cost of labor and construction materials, but doesn't subtract for depreciation, so it's based on today costs. Even though it accounts for inflation, it only covers up to 100% of the coverage amount you set for your policy. With this option, your claim will be settled at actual cash value first. Once the repairs have been completed, you’ll be reimbursed up to your coverage amount.

Extended replacement cost includes the cost of labor and construction materials, up to 120% of the coverage amount you set for your policy and accounts for inflation. So, if construction costs have gone up or the value of your house has gone down, you have some extra coverage to help you rebuild.2

How we stand out

Additional replacement cost includes the cost of labor and construction materials, with no limit, and accounts for inflation. This is the only option that guarantees you’ll be able to rebuild the same house in the same location. If you live in Alabama, Georgia, or Tennessee, your limit is capped at 125% of the coverage amount you set for your policy. We’re one of a few insurance companies to offer this type of coverage.2

It’s important to walk through these coverages with your rep since requirements for extended and additional replacement cost vary by state. They’ll know what your options are and can help you select the right coverage for your situation.

The best way to insure your high-value items 

Your belongings, like furniture, clothes and electronics, are protected under your home policy, but only up to a certain amount. If you have expensive items, like jewelry, cell phones or tablets, you may want to list them separately, so you can increase the protection you have in case they are stolen or damaged. 

Your need for umbrella insurance 

The coverages included in your current home and auto policies protect you to a point, but they have limits. Umbrella coverage is additional coverage that stretches over both policies to cover some risks that may exceed those limits or aren’t covered under either policy, like libel, false arrest, slander and more.

What if someone slips and falls on your driveway and can no longer work? You’d be at risk for a lawsuit and the amount they ask for may exceed your home liability limits. Without umbrella insurance, your assets and future income could be at risk.

Umbrella policies are liability policies only. This means they don’t cover you if you’re injured on your property and unable to work, or if you experience another loss. They only cover your liability to someone else for a loss or injury that’s attributable to you. Umbrella insurance also generally does not cover a loss until other sources of insurance have been exhausted.

This is another area where you can rely on your rep’s expertise. As they learn about your unique needs, they can help you understand the value of additional coverage, like umbrella insurance. 

Extra coverage options

No, this type of damage is not covered by our Basic, Premier or Combined coverage, but you can purchase sump pump and sewer back-up protection to protect you in this situation.3 This coverage helps with water damage, up to the amount you choose, to your home and belongings caused by your sump pump overflowing or a backed-up sewer or drain on your street. You can select coverage amounts of $5,000, $10,000, or $25,000. 

Not all properties qualify for this coverage and amounts can vary. Your rep will work with you to determine if you need this coverage.

Yes, to make sure your home and belongings are properly protected, you’ll want to purchase Earthquake Protection.

Flood insurance is only offered through the National Flood Insurance Program, backed by the federal government. Your rep can help you secure federal flood insurance, but it’s not included in your home policy. Visit fema.gov to learn more about the National Flood Insurance Program.

Your home policy doesn’t have coverage for identity theft, but you can purchase Identity Theft Expense Coverage. If someone steals your identity or takes over your checking account, it will cover up to $25,000 of expenses.

We also offer Advocacy Service Coverage to help with identity theft. If you’re a victim of identity theft, this coverage pairs you with a fraud resolution expert. They’ll work with you to help restore your identity up to twelve months after the theft occurs.

We offer several ways to save on your home insurance costs. Explore our discounts.

Ready to start?

Start online, find a local rep, or call us at 866-268-6879. We'll help you find the home insurance that works for you. 

COUNTRY Financial® is the marketing name for the COUNTRY Financial family of affiliated companies (collectively, COUNTRY), which include COUNTRY Life Insurance Company®, COUNTRY Mutual Insurance Company®, and their respective subsidiaries, located in Bloomington, Illinois.

1 Not all physical damage losses are covered. Review your policy for contract exclusions. 

2 Property must meet age and condition requirements, which vary by state. 

You don’t qualify for this coverage if you live in a flood plain or have prior sump pump claims.

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

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