How do you file a claim with Country Financial?

Country Financial policyholders can file claims on the company’s website or mobile app or by calling 1-866-268-6879. After reporting a claim, Country Financial will assign you a claims representative, who will contact you if they need additional information about your losses. The representative will assist you through the entire claims process.

Is Country Financial a sustainable company?

Our Country Financial insurance review would not be complete without discussing the company’s social outreach. Although the company doesn’t partner with specific charities, Country Financial sponsors employee volunteer and employee donation matching programs, charitable marketing programs and provides time off for employees to volunteer. The company’s charitable programs provide donations to 501(c)(3) organizations within and outside Bloomington, Illinois.

Is Country Financial cheaper than Progressive?

On average, Country Financial customers pay $44 percent more for car insurance and 22 percent less for home insurance than Progressive customers. However, keep in mind that insurance premiums respond to a multitude of factors. For some shoppers, the price differential between these two insurers may look different due to location, credit history, driving records, home value and a variety of other data points.

Is Country Financial a good insurance company?

For many customers, Country Financial is a good insurance company — but it's not the right fit for everyone. The company has been in business for 100 years and receives acclaim from third parties for its insurance products, including auto and life insurance. In general, we found that Country Financial receives positive reviews from customers.

Insurance Reviews

Country Financial insurance review 2025

Written by

R.E. Hawley,

Edited by

Lisa McArdle

Updated on Sep 25, 2025

Daily Tech Finance is always editorially independent. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .Our is to ensure everything we publish is objective, accurate and trustworthy.

Daily Tech Finance's take

Customers seeking a company that can handle all their financial business in one place may want to consider Country Financial as their insurer of choice — if they live in one of the carrier's 19 states of operation.

Auto

Avg. annual premium for full coverage $3,154

Avg. annual premium for min coverage $967

Home

Avg. annual premium for $300k dwelling coverage $2,123

Avg. annual premium for $750k dwelling coverage $4,148

Insurance rates are known to fluctuate frequently, but you can rely on Daily Tech Finance to offer you the latest options available. These are sample rates for comparative purposes only. Your quotes will differ.

Rates updated as of Sep 2025

Read our full methodology
Auto score

4.2
Rating: 4.2 stars out of 5

Cost & ratings
4.4 / 5

Coverage
4.0 / 5

Support
4.0 / 5

Home score

4.3
Rating: 4.3 stars out of 5

Cost & ratings
4.0 / 5

Coverage
4.3 / 5

Support
5.0 / 5

Life score

4.0
Rating: 4.0 stars out of 5

Ratings
4.7 / 5

Coverage
3.5 / 5

Accessibility
3.5 / 5
- Offers up to a 10 percent discount to teen drivers who complete the Simply Drive course
- Drivers who enroll in the DriverIQ telematics program can save up to 25 percent on auto insurance
Country Financial insurance is available in 19 states: AL, AK, AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NV, ND, OK, OR, TN, WA and WI.
- Customer service: 1-866-268-6879
- Claims: 1-866-268-6879
- Country Financial agency locator available at: https://www.countryfinancial.com/en/representative-locator.html

Compare Country Financial with other insurers

While Country Financial is a highly rated insurer, it may not be the right choice for everyone. See how Country Financial compares with two popular competitors.

Featured Country Financial Rating: 4.2 stars out of 5 4.2 Daily Tech Finance Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 4.4 stars out of 5 4.4 Coverage Rating: 3.9 stars out of 5 3.9 Support Rating: 4.2 stars out of 5 4.2 Read Review	State Farm Rating: 4.4 stars out of 5 4.4 Daily Tech Finance Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 4.5 stars out of 5 4.5 Coverage Rating: 4.2 stars out of 5 4.2 Support Rating: 4.6 stars out of 5 4.6 Read Review	USAA Rating: 4.5 stars out of 5 4.5 Daily Tech Finance Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Cost & ratings Rating: 4.8 stars out of 5 4.8 Coverage Rating: 4.2 stars out of 5 4.2 Support Rating: 4.6 stars out of 5 4.6 Read Review
OVERVIEW Daily Tech Finance identified key carrier features, coverage offerings, discounts and more
Country Financial is known for its high level of customer service and robust product line, but it's only available in 19 states. Read More	State Farm writes auto, home and life insurance in most states and receives excellent customer reviews, but offers fewer discounts and life insurance riders. Read More	USAA combines competitive rates for auto, home and life insurance with stellar customer service, but only military families are eligible. Read More
STANDOUT FEATURES These features are some of the carrier’s most impressive
Inexpensive home insurance Resources for teen drivers Highly rated customer service	Available in most states Two safe driving programs Offers banking and investment	Availability in all 50 states MyUSAA Legacy discount Military discounts and perks
AVG FULL COV. AUTO RATE Average national annual cost of a full coverage auto insurance policy
$3,154	$2,676	$2,059
J.D. POWER AUTO SCORE J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
Not Scored	710/1000	726/1000
AVG HOME RATE Average national annual cost of a home insurance policy with $300K in dwelling coverage
$2,123	$2,186	$1,248
J.D. POWER HOME SCORE J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
Not Scored	661/1000	746/1000
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A+(Superior)	A++(Superior)	A++(Superior)

Table of contents

Compare with other companies
Car insurance review
Home insurance review
Life insurance review
Real customer feedback
FAQs
Methodology

Country Financial car insurance review

With a Daily Tech Finance Score of 4.2 out of 5.0 for auto insurance, Country Financial is a competitive car insurance option in states where coverage is available. High customer satisfaction ratings from J.D. Power and a low rate of customer complaints put Country Financial above many competitors, but customers may pay higher premiums in exchange for superior service.

When it comes to coverage, Country Financial offers all the standard auto options along with some less-common endorsements like windshield replacement insurance, personal effects coverage and umbrella liability. The company also offers some unique discounts, like a discount for engaged couples and special rates for teachers and first responders. But policies are only available in 19 states, and customers who don't meet Country Financial's desired profile may have trouble finding affordable coverage.

Pros and cons of Country Financial car insurance

While Country Financial excels in some areas, it might not be right for every driver.

Pros

Unique endorsements and discounts
High J.D. Power customer satisfaction score
Works with local agents

Cons

Only available in 19 states
Above-average premiums
No online quoting available

Country Financial car insurance cost

According to data from Quadrant Information Services, Country Financial auto insurance customers pay an average of $223 per month for full coverage and $81 per month for state minimum coverage. That's 18 percent more than the national average for full coverage and 20 percent more than average for minimum coverage.

Compare Country Financial car insurance rates

Country Financial car insurance costs more than the same coverage from many top-rated competitor companies. However, the cheapest carrier will be different for every driver based on personal rating factors like location and age.

USAA

$172

$50

Nationwide

$159

$57

American Family

$256

$81

Travelers

$185

$60

Erie

$188

$62


Country Financial	$263	$81
State Farm	$223	$75
Progressive	$182	$61
Geico	$181	$49
Allstate	$279	$82
USAA	$172	$50
Nationwide	$159	$57
American Family	$256	$81
Travelers	$185	$60
Erie	$188	$62

Country Financial car insurance quotes by driver profile

Like other insurance companies, Country Financial tailors insurance quotes to driver characteristics including their driving record and credit history, offering higher rates than the national average for most profiles.


Good driver, good credit	$3,154	$2,671
Good driver, poor credit	$4,372	$4,693
Speeding ticket with good credit	$3,924	$3,272
At-fault accident with good credit	$4,271	$3,841
DUI conviction with good credit	$4,430	$5,233

*All rates displayed are average annual rates.

Country Financial car insurance quotes by age

Country Financial offers incentives and discount programs to help lower the cost of car insurance for young drivers, who often receive higher premiums than older, more experienced drivers. As a result, the price difference from the national average may be smaller than for older drivers.

Age 40

$3,154

$2,671

Age 60

$2,885

$2,415


Age 16	$6,259	$5,710
Age 18	$5,246	$4,925
Age 20	$5,381	$5,398
Age 25	$3,953	$3,294
Age 30	$3,448	$2,850
Age 40	$3,154	$2,671
Age 60	$2,885	$2,415

*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Third-party reviews may be a great resource when looking for a company with positive customer experiences and good financial strength. Daily Tech Finance evaluated customer satisfaction by looking at J.D. Power scores. In J.D. Power’s 2025 U.S. Auto Insurance Study, Country Financial ranked above the industry average in the North Central region with an overall customer satisfaction score of 659 out of 1,000. This is the only region that included a ranking for the company (due to its limited regional availability). However, Country Financial was not included in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study.

We also looked at financial strength ratings from AM Best as an indicator of the company's historic ability to pay claims. AM Best gives Country Financial a financial strength score of A+ (Superior), which underscores a positive history of being able to pay out claims in a timely manner.

Country Financial auto insurance customer complaints

Country Financial car insurance has consistently received a low rate of customer complaints over the past three years, according to the National Association of Insurance Commissioners's Complaint Index. The company's most recent complaint index score of 0.44 indicates that it receives less than half the average number of complaints for a company of its size.
Engaged couple discount

If you and your partner are getting married sometime in the next year and you both insure your vehicles with Country Financial, you may qualify for this discount. Country Financial only offers this discount to policyholders ages 21 and older.

Advance quote discount

If you get an online quote from Country Financial before your current auto insurance policy expires, you may receive a discount.

Occupation discount

If you are a full-time K–12 teacher, firefighter, police officer, EMT or paramedic, you may qualify for a discount from Country Financial.

Legacy discount

This discount may apply to drivers under the age of 25 with parents who are Country Financial policyholders. To be eligible, the driver's parents must qualify for a multi-vehicle or multi-policy discount.

Advertising disclosure

This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Daily Tech Finance. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Country Financial

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Country Financial home insurance review

Country Financial home insurance may be a good option for homeowners in its coverage region in search of affordable home insurance. With a Daily Tech Finance Score of 4.3 out of 5.0 for home insurance, the company performs well in the areas of pricing, customer service and coverage options.

In addition to the standard coverage types available from all home insurers, Country Financial offers some extra endorsements and features that can extend your coverage, such as open perils coverage and Extended Replacement Cost or Guaranteed Replacement Cost coverage for your dwelling. Endorsements include earthquake and flood coverage, sump pump and sewer backup coverage and umbrella coverage.

Pros and cons of Country Financial homeowners insurance

Not sure if Country Financial home insurance is a good fit? Consider these pros and cons.

Pros

Multiple coverage levels and endorsements
No cap on guaranteed replacement cost coverage
Low rate of customer complaints

Cons

Not available in every state
Below-average J.D. Power customer satisfaction score
No online quoting

Country Financial home insurance cost

The average cost of home insurance from Country Financial is $2,123 per year for $300k in dwelling coverage. That's roughly 12 percent less than the national average of $2,408 per year.

Compare Country Financial homeowners insurance rates

Country Financial's home insurance rates tend to be lower than those of many competitors. However, keep in mind that rates may vary significantly due to risk factors in your area.

Nationwide

$2,073

-335

Chubb

$3,257

849

American Family

$1,980

-428

Progressive

$2,711

303

Erie

$2,498


Country Financial	$2,123	-285
State Farm	$2,186	-222
Allstate	$2,573	165
USAA	$1,248	-1160
Travelers	$2,787	379
Nationwide	$2,073	-335
Chubb	$3,257	849
American Family	$1,980	-428
Progressive	$2,711	303
Erie	$2,498	90

Country Financial home insurance quotes by dwelling coverage

For homeowners with different levels of coverage, average premiums for Country Financial home insurance tend to be lower than the national average.


$150K dwelling	$1,428	$1,442
$300K dwelling	$2,123	$2,408
$350K dwelling	$2,347	$2,724
$450K dwelling	$2,797	$3,357
$750K dwelling	$4,148	$5,237

*All rates displayed are average annual rates.

Researching third-party ratings may help you decide which insurance company meets your financial needs. J.D. Power produces annual studies that rank insurers based on customer satisfaction in various categories, such as customer service and claims, on a 1,000-point scale. Country Financial ranked slightly below the industry average for customer satisfaction in the 2024 J.D. Power U.S. Home Insurance Study and was not included in the 2025 U.S. Property Claims Satisfaction Study.

Financial strength is another important factor to consider when deciding on an insurance provider. AM Best gave Country Financial a rating of A+ (Superior), meaning they should be in a good position to pay out claims if a catastrophic event occurs.

Country Financial home insurance customer complaints

Despite a below-average customer satisfaction score from J.D. Power, Country Financial has received a low number of customer complaints over the past three years, according to the NAIC Complaint Index. The company's scores have ranged from 0.10 to 0.37 (the most recent score), well below the industry average of 1.00.
Hail-resistant roof discount

You could qualify for a discount if your roof meets certain hail-resistant standards. To qualify, you must provide Country Financial with your roof manufacturer’s name, the date the shingles were manufactured and installed and the manufacturer’s bill of sale, package label or warranty.

New roof discount

If you just replaced your roof, you might receive a discount from Country Financial. This discount is not available in all states.

Wiring age discount

Install new wiring in your home and Country Financial may reward you with a discount. This discount is only available in select states.

Alarm credit discount

You might earn a home insurance discount if you equip your home with safety and security devices such as an automatic sprinkler system, deadbolt locks, fire extinguishers, smoke detectors or a central station burglar and fire alarm system that reports to emergency services.

Advertising disclosure

Insurance disclosure

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Country Financial

Do you own or rent this home?

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ZIP Code

Your information is kept secure

Advertising disclosure

Insurance disclosure

Country Financial life insurance review

In addition to home and auto insurance, Country Financial offers a range of life insurance products designed to meet various needs and budgets. Life insurance options available from Country Financial include term life insurance, indexed universal life insurance and whole life insurance. Country Financial was named to the 2025 Ward's 50 Life and Health Top Performers list, making it a strong option for anyone seeking this type of coverage.

For most families, a term life insurance policy may be the most cost-effective and practical way to meet the need for life insurance. Country Financial's term life is available in 10-, 15-, 20- or 30-year increments. For those seeking permanent life insurance with a cash value feature, indexed universal life or whole life insurance may be a better fit.

Pros and cons of Country Financial life insurance

While Country Financial's life insurance offerings are highly rated, they might not be the best fit for everyone. Keep these pros and cons in mind:

Pros

Term, indexed universal and whole life insurance policies available
Multiple riders for policy customization
Free accelerated death benefit for permanent life insurance policies

Cons

Not available in all states
No variable universal life insurance product
Must purchase directly through a Country Financial representative

Life insurance can be a highly personal product, and Country Financial life insurance offers policyholders a range of ways to customize their coverage to meet personal needs. These coverage riders, sometimes called endorsements, include the following:

Child term insurance

This rider provides up to $50,000 in term coverage for each of your children between ages 0 and 17. The child can convert the policy to whole life insurance at age 23 without completing additional medical exams.

Disability waiver of premium

This rider allows you to stop paying premiums for a period of time without losing coverage if you become disabled before age 65.

Accelerated benefits

This rider allows you to access your death benefit while you’re still alive should you develop a terminal illness.

Return of premium

This rider, available on 20- and 30-year term life policies, returns your base premiums paid if you’re still alive at the end of your life insurance term.

Term insurance for you or your spouse

This rider enables you to add term life coverage to an existing whole life policy to cover you or your spouse.

Accidental death benefit

If you pass away due to an accident before age 70, this rider will pay an additional amount.

Guaranteed insurability option

If you are between the ages of 22 and 43, this rider enables you to buy additional whole life coverage every three years without a medical exam.

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Read our full methodology

At Daily Tech Finance, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our

years of industry experience

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ZIP codes examined

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carriers reviewed

What are real-life customers saying about Country Financial?

Reddit user 1*

Jul 10, 2025

I’ve used Country Financial for the past ten years

“I’ve used Country Financial for the past ten years after State Farm dropped me over a small claim that I was told, by them, would not trigger them dropping me. My Country Financial rates have remained consistent since.”

via Reddit community

Reddit user 2*

Jul 10, 2025

Gotta play the game

"Our Country Financial after 24 years went up a lot the past few years with no claims. We are no longer with them, saved $2000 this year switching. We know next year our new carrier will probably do the same, but gotta play the game."

via Reddit community

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Daily Tech Finance.

Frequently asked questions

Country Financial policyholders can file claims on the company’s website or mobile app or by calling 1-866-268-6879. After reporting a claim, Country Financial will assign you a claims representative, who will contact you if they need additional information about your losses. The representative will assist you through the entire claims process.
Our Country Financial insurance review would not be complete without discussing the company’s social outreach. Although the company doesn’t partner with specific charities, Country Financial sponsors employee volunteer and employee donation matching programs, charitable marketing programs and provides time off for employees to volunteer. The company’s charitable programs provide donations to 501(c)(3) organizations within and outside Bloomington, Illinois.
On average, Country Financial customers pay $44 percent more for car insurance and 22 percent less for home insurance than Progressive customers. However, keep in mind that insurance premiums respond to a multitude of factors. For some shoppers, the price differential between these two insurers may look different due to location, credit history, driving records, home value and a variety of other data points.
For many customers, Country Financial is a good insurance company — but it's not the right fit for everyone. The company has been in business for 100 years and receives acclaim from third parties for its insurance products, including auto and life insurance. In general, we found that Country Financial receives positive reviews from customers.

Methodology

Daily Tech Finance utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Daily Tech Finance used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Daily Tech Finance Score

Our 2025 Daily Tech Finance Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Daily Tech Finance Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Daily Tech Finance utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:

40 year old

Married male and female homeowners

2017 build year

Primary home

Good credit score

Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following homeowner characteristics:

Dwelling coverage:

Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000

Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.

Daily Tech Finance Score

Our 2025 Daily Tech Finance Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Daily Tech Finance Score

Our 2025 Daily Tech Finance Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

40% Ratings

40% Coverage

20% Accessibility

Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by

R.E. Hawley

Senior writer, Insurance

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