Auto-Owners vs Country Financial: Homeowners Insurance Coverage Comparison
A coverage-first, independent comparison of Auto-Owners and Country Financial — based on public policy forms and carrier disclosures, not premiums or marketing. Coverage details vary by state and change frequently; confirm at bind.
Information reflects public sources as of January 2025.
At-a-glance comparison
| Coverage feature | Auto-Owners | Country Financial |
|---|---|---|
| Carrier structure | Mutual | Mutual |
| Distribution | Independent agents | Captive agents |
| AM Best rating | A++ | A+ |
| States written | Auto-Owners writes in 26 states, primarily the Midwest, South, and Mountain West. | Writes homeowners in roughly 19 states, concentrated in the Midwest. |
| Policy form | Proprietary form | Proprietary form |
| Roof settlement (default) | Varies by state | Varies by state |
| Wind/hail deductible | Varies by state | Varies by state |
| Water backup | Available as endorsement | Available as endorsement |
| Ordinance or law | Included (standard) | Included (standard) |
| Service line | Available as endorsement | Available as endorsement |
| Equipment breakdown | Available as endorsement | Available as endorsement |
| Extended replacement cost | Available as endorsement | Available as endorsement |
| Guaranteed replacement cost | Available as endorsement | Not offered |
| Online quote | ||
| Mobile claims app |
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Coverage breakdown
Policy form
Auto-Owners: Proprietary form
Country Financial: Proprietary form
Why it matters: the policy form is the contract. Two carriers can both call a product "homeowners insurance" and have meaningfully different definitions of "covered peril," "actual cash value," and how losses are settled.
Roof settlement
Auto-Owners: Settlement basis varies by state and program. Confirm at bind.
Country Financial: Settlement basis varies by state and roof age; payment schedules have been filed in some Midwest states. Confirm at bind.
Why it matters: on a 15-year-old asphalt roof, an ACV or schedule-by-age settlement can leave the homeowner with five-figure out-of-pocket costs after a hailstorm. Read more about RCV vs ACV.
Wind / hail deductible
Auto-Owners: Varies by state and program.
Country Financial: Percentage wind/hail deductibles common in hail-prone Midwest states.
Why it matters: percentage deductibles (1%–5% of Coverage A) are common in hail- and hurricane-prone states. On a $500,000 dwelling, a 2% wind/hail deductible is $10,000 — the first $10,000 of any wind or hail loss.
Water backup
Auto-Owners: Available as endorsement
Country Financial: Available as endorsement
Ordinance or law
Auto-Owners: Included (standard)
Country Financial: Included (standard)
Which policy fits which homeowner
We don't rank carriers. The right choice depends on your home, your roof, your state, and the specific endorsements you add. A few coverage-driven considerations:
- If you have a roof over 10 years old, the roof settlement basis matters more than the premium difference.
- If you live in a hail- or hurricane-prone state, check the wind/hail deductible structure on both quotes.
- If your home was built before 1990, default 10% ordinance or law coverage is often insufficient — ask about higher limits.
- If you have a finished basement, sump pump, or septic, water backup coverage is worth pricing on both quotes.
See what either carrier would actually pay
The coverage differences above are abstract until you put real dollars against them. Three calculators that translate the policy form into out-of-pocket exposure on your home.
Prefer one number? Get your free Coverage Score — six dimensions, one grade, no email required.
Already with Auto-Owners or Country Financial?
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Talk to an advisorFAQs
Is Auto-Owners or Country Financial better for homeowners insurance?
Neither carrier is universally "better." The right policy depends on your home's age, your roof, your state, and the specific endorsements you add. Auto-Owners uses proprietary form; Country Financial uses proprietary form. Compare them on roof settlement basis, wind/hail deductible, water backup, and ordinance or law — not just premium.
What's the main coverage difference between Auto-Owners and Country Financial?
The biggest practical differences are usually (1) how roof losses are settled (replacement cost vs actual cash value vs payment schedule by age), (2) whether wind/hail uses a flat or percentage deductible, and (3) which endorsements are included by default vs sold as add-ons. Auto-Owners offers as an endorsement water backup; Country Financial offers as an endorsement it.
Does Auto-Owners or Country Financial cover roof replacement?
Both carriers cover roof damage from covered perils, but the settlement basis varies by state and program. Settlement basis varies by state and program. Confirm at bind. Settlement basis varies by state and roof age; payment schedules have been filed in some Midwest states. Confirm at bind.
Is Auto-Owners or Country Financial cheaper?
We don't quote premiums on this page because they vary dramatically by state, home characteristics, prior claims, and credit. The more useful question is which policy actually pays out the way you expect after a claim — which is what coverage form differences determine.
Is Auto-Owners a good company?
Auto-Owners holds an AM Best rating of A++ and has a limited footprint. Financial strength matters, but coverage quality and claims experience matter more at claim time. Read the actual policy form and endorsement list before binding.
Sources & methodology
Coverage details above are drawn from the carriers' public-facing product disclosures and policy summaries. Policy forms, endorsements, and roof settlement schedules vary by state and change frequently. The summaries here are not policy advice and are not a substitute for reading the actual policy you are offered.
Auto-Owners Insurance Company and COUNTRY Mutual Insurance Company are trademarks of their respective owners. RateMyPolicy is not affiliated with, endorsed by, or sponsored by either carrier listed on this page. This page is for general informational purposes only and does not constitute insurance advice. Coverage terms are governed by the actual policy issued.