We had our first child in 2009, which means we also bought our first home in 2009. We got hooked up with Steve through our mortgage guy and he beat the rate USAA offered us for homeowners insurance. Year after year, Country's rates beat out USAAs. Here's our experience so far:
2009: First kid, first mortgage (starter home). USAA reps were shocked they lost our business to the little guys I.e. Country Financial. (So were we tbh). We pulled our USAA auto policy and moved it to Country. Add auto to the homeowner's policy = WAY better discount. Ps. WAAAAAAYYY better coverage for auto. Higher coverages on both home and auto AND lower premiums than what USAA offered.
2009-2013: Still living in our starter home. Add 2 more kids. Mortality starts looming as you approach your thirties, apparently,because our parents started hassling us about whether or not we had invested in life insurance yet. It sounded like a wise choice, admittedly. But to be completely honest our life position was not that where my husband and I could jog on out to Steve's office from Raymore to Independence for a quick run down of how life insurance even worked, etc. Steve didn't even blink. He was like "Look. I get it. I have little kids too. Same age as yours. My wife and I are right there with you. Would it be easier if I came to you?" That's service friends. Have you guys had your insurance agent in your living room? Probably not.
Anyways it's 2014: We were bursting at the seems. New home. Same agent.
Fast forward. It's 2020 and we're on lock down due to COVID. And Wham! We had 90 mph straight line winds people (Which I've been referring to as the cass county land hurricane btw). There was damage. If you ever find yourself in this situation, you'll catch yourselves telling your kids- "It's okay. This is why we have insurance. At least we're safe." The first person my husband called was Steve. Country Financial took care of us. We didn't have to worry about a thing. Sadly, my neighbor to the north who sustained damage just as bad or maybe even worse than we did, got hassled by his insurance company. He's paying out of pocket for a lot more than seems fair IMO.
All in all, our rates with Country are still competitive. Country's coverages and rates continue to beat their competitors- even USAA's who calls us EVERY.SINGLE.YEAR. We plan on continuing our relationship with Country Financial and Steve Pirch. Zero regrets. read more