Based in Bloomington, Illinois, Country Financial has been selling insurance for nearly 100 years. Country Financial renters insurance may be right for you if you’re looking for solid coverage options and good customer service. But you can’t buy a policy online, and the company serves only 19 states.

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Country Financial renters insurance star rating
5.0NerdWallet rating 
Country Financial renters insurance earned 5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.

Based on this rating, Country Financial is among NerdWallet’s Best Renters Insurance Companies for 2023.

State availability
Country Financial sells policies in 19 states.

Country Financial renters insurance coverage
Landlords sometimes require tenants to purchase a policy with a minimum amount of renters liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:

Type of coverage

What it does

Personal property

Covers your clothing, furniture, electronics and other belongings.

Loss of use

Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.

Liability

Pays out if you're responsible for injuries to other people or damage to their property.

Medical payments

Covers injuries to other people in your home, regardless of fault.

For more details, see What Does Renters Insurance Cover?

Besides the usual coverage, Country Financial may include refrigerated food coverage in its standard policies, depending on where you live. Refrigerated food coverage can pay for the cost of spoiled food if your refrigerator is broken due to a covered loss.

If you need more coverage, you can add the following options:

Coverage for high-value items. Like most renters policies, Country Financial insurance has limits on how much it will cover for valuable items like jewelry and firearms. If your belongings are worth more, you may want to insure them separately to make sure they’re covered. An appraisal may be required.

Premier coverage for personal property. This upgrade means your belongings will be covered not only for standard problems such as fire and theft, but also for things like broken antiques and appliances damaged by power surges.

Replacement cost coverage. If you have older items, such as a 3-year-old computer or a 10-year-old mattress, a standard policy would pay out only their current value if they were stolen or destroyed. Adding replacement cost coverage means you’ll get paid enough to buy brand-new items.

Identity theft coverage. If someone steals your identity, this coverage can pay for some associated expenses and provide a specialist to help you get back on your feet.

Water backup coverage. This endorsement pays for damage if water backs up into your home from a drain, sewer or malfunctioning sump pump.

Personal injury protection. This coverage protects you if you’re accused of libel or slander.

Discounts
You may be able to save on your renters policy by:

Buying more than one Country Financial policy.

Going at least five years without filing a claim.

Making payments on time for at least three years.

Being a new Country Financial policyholder.