Country Financial offers renters insurance that provides a simple and reliable way to protect your belongings without the hassle. Whether you’re renting an apartment, house, or dorm, this insurance gives you peace of mind knowing that your personal property is covered.
From furniture and electronics to clothing and jewelry, Country Financial renters insurance helps safeguard your possessions against unexpected events like theft, fire, or water damage.
Plus, it offers liability protection, which means if someone gets injured in your rental home, you’re protected. The best part? You don’t have to deal with complicated terms or hidden fees.
Country Financial Renters Insurance is designed to be straightforward, affordable, and easy to understand, so you can focus on enjoying your space without worrying about what could go wrong.
With flexible coverage options, it’s an excellent choice for renters looking for dependable protection.
Country Financial Renters Insurance Pros and Cons
Before going deeper, let’s take a look at the pros and cons of the renters policy offered by Country Financial.
Pros
- Excellent complaints ratings
- Various discounts
- You can get services from exclusive agents.
- It offers other insurance policies and financial products.
- Incredible customer service
Cons
- Only available in 19 states
- You can’t purchase a policy online.
- Its policies offer less protection, unlike other companies.
What Renters Insurance Coverage Does Country Financial Offer?
Most times, landlords do mandate tenants to buy a policy with a minimum amount of renters liability coverage. But if your landlord does not require you, the amount of coverage you choose is totally up to you.
The below are the four types of coverage that are found in most standard renters policies.
- Personal property: It helps to offer coverage for your furniture, electronics, clothing, and other personal items.
- Loss of use: It helps you in paying for temporary housing, restaurant meals, and other expenses if you are forced to live elsewhere while your rented home undergoes covered repairs.
- Liability: It helps you out to pay if you are to be blamed for property damages to a third party property or their injuries.
- Medical payments: This helps to cover injuries to guests in your home, regardless of who caused it.
Beside the standard coverage, County Financial may offer refrigerated food coverage in its standard policies. This depends on your location. This coverage can help you pay for the cost of spoiled food in your refrigerator if it is not working because of a covered loss.
Additional Coverage Offered By Country Financial
Country Financial offers various ways to protect your belongings, including coverage for high-value items like jewelry and firearms. If your items are worth more than the policy limits, you can insure them separately, and an appraisal may be needed.
For extra protection, you can upgrade to premier coverage, which not only covers common issues like fire and theft but also damages to antiques and appliances from power surges.
With replacement cost coverage, if your old items, like a computer or mattress, are damaged or stolen, Country Financial will pay to replace them with new ones, rather than just covering their current value.
If your identity is stolen, the policy can help cover expenses and provide support to recover from the situation. Water backup coverage can help pay for damage if water enters your home due to issues with drains, sewers, or sump pumps.
Additionally, this insurer can offer coverage for natural disasters like earthquakes and floods.
How Much Does Country Financial Renters Insurance Cost?
According to research, the renters insurance policy offered by Country Financial Renters costs about $185 per year on average. It is more costly than the normal national average of $148 a year.
Meanwhile, you may be able to save on your policy, thanks to the numerous discounts offered by the insurer.
How To Purchase Renters Insurance From Country Financial
This insurer website provides various basic services that you can ever expect. It includes coverage information, claims filing, bill payment, and more. However, you can’t purchase or get a quote on these websites.
To purchase a renters policy from this insurer, you will have to contact the specialized company agent. This agent will help you throughout the application and finalizing process.
You can get the contact information to get started on the official website.
Frequently Asked Questions
What Should I Do If I Need To File A Claim?
If you need to file a claim, contact Country Financials’ claims department as soon as possible. They will guide you through the claims process, including documentation and any necessary steps to get your claim settled.
You can also file and track claims online or through the insurer’s mobile app.
What Other Types Of Insurance Does Country Financial Offer?
Just so you know, this insurer sells other types of insurance, including homeowners, motorcycle, life, auto, business, and many more.
Can I Cancel My Renters’ Insurance Policy?
Yes, you are allowed to cancel your renters insurance policy at any time. However, it’s advisable to review the cancellation terms and any possible fees associated with the cancellation.
