Horace Mann Insurance Review & Complaints: Auto, Home & Life Insurance (2024)
Horace Mann Insurance specializes in home, life, and auto insurance, with special financial products that include investment management services. Our Horace Mann Insurance review finds the company has competitive rates with special insurance benefits for teachers and educators.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many different insurance providers, which gives him unique insight into the insurance market...
Commercial Lines Coverage Specialist
UPDATED: Feb 11, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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What is the Horace Mann Insurance Company?
Horace Mann was founded in 1945 by two Illinois teachers; the purpose of the new insurance company was to provide quality service and affordable auto insurance for educators. The company expanded both its geographical reach as well as its product lineup over the years, and also opened its doors to all school employees.
Named for the founder of modern public education, the insurance company aims many of its services at the needs of teachers, including things like student loan assistance and assistance with classroom funding. Workshops and other financial planning services are also available.
Insurance products include auto, home insurance, life insurance, and supplemental products, with annuities and IRAs among the financial products.
Products are sold through agents, who are often former educators. The company’s headquarters is in Springfield, Illinois, with agencies and offices throughout the country.
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What products are offered?
Horace Mann offers the big three in personal insurance – auto, home, and life, along with a few other options and several financial products.
Auto Insurance
Horace Mann’s auto insurance program offers all of the basics of coverage options including legally required coverage like comprehensive coverage, collision coverage, roadside assistance, and rental reimbursement.
The Educator Advantage package is also included in every insurance policy sold to a teacher at no additional charge. This includes a number of benefits:
- Increased roadside assistance coverage (if this option is added to the base policy)
- Waiver or reduction of the deductible on vandalism that occurs on or near school property or at a school-sponsored event
- New car replacement
- $1,000 in pet coverage
- Liability coverage for transportation of students in the insured vehicle
Discounts for teachers on the auto policy include an educator discount for teachers and administrators, association discount for members of certain educational associations, and a payroll deduction discount. There are also standard discounts like multi-policy.
Read more: Car Insurance Discounts for Teachers
Home Insurance
The home insurance package policy is basic, covering the dwelling and other structures, personal property, liability, and loss of use. Extra coverage can be added on to customize the policy, including:
- Refrigerated goods
- Scheduled personal property
- Replacement cost on personal property
- Identity theft
There is an Educator Advantage endorsement for this policy as well, covering money or goods for a school-sponsored event against theft, lock replacement and re-keying, and a deductible waiver on claims for items stolen during a school-sponsored event away from home.
The discounts are similar to those found with other policies; new construction, protective devices, and auto/home among them. There is also a loyalty discount for those moving from a renter’s policy to a homeowner’s policy with the company.
The company’s renter’s policy is as standard as the homeowners, covering personal property, liability, and loss of use.
Life and Disability Insurance
The company has several life insurance options available including term life insurance, universal life insurance, and whole life insurance.
The site does not offer details on the policies, just general overviews of the type of insurance and how it works. Visitors are directed to contact an agent for more information.
Disability insurance is also available, but as the life policies, details are not available.
Financial Products
The company offers a range of financial products and financial services aimed mainly at retirement savings, but also college savings. These include:
- 529 College Savings
- Investment Management Services
- Stocks
- Annuities
- Traditional and Roth IRA
- Horace Mann Educator Advantage IRA
- 403(b) and 457(b) savings plans
Are the company’s rates reasonable?
Online quoting is not offered by the company, and rates are only available through an agent. An agent locator is found on the website that helps visitors to find a local source for rate information.
Since the insurer serves only a specific market, it is not surprising that the offer quotes only through agents.
In searches of the California Department of Insurance sample rate database, the company frequently appears among the lowest price for car insurance. We ran a sample through that system for this review and found Horace Mann to be the third least expensive option for standard coverage.
Procedures for Horace Mann Insurance Claims
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps).
Horace Mann Insurance offers multiple options for filing claims. Policyholders can report claims 24/7 through a toll-free number, which is the same for life, auto, or home insurance claims. There is also a separate number for glass-only claims and disability claims.
Additionally, the company provides an online claims filing option, accessible through the insured’s web account. However, it’s worth noting that while there is a mobile app available, it does not appear to have a claim filing function.
Average Claim Processing Time.
The article does not provide specific information about the average claim processing time for Horace Mann Insurance. This information may be available directly from the company or through customer reviews.
Customer Feedback on Claim Resolutions and Payouts.
The article mentions that Horace Mann Insurance has an A+ rating with the Better Business Bureau (BBB) and a total of 19 complaints on file in the past three years. There are also 11 negative customer reviews on the website, with some customers expressing concerns about poor customer service and billing issues.
However, the article suggests that a lack of reviews on other insurance review sites may indicate a positive reputation since satisfied customers are less likely to leave reviews.
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Horace Mann Insurance Digital and Technological Features
Mobile App Features and Functionality.
Horace Mann Insurance offers a mobile app, but the article does not provide detailed information about its features and functionality. Policyholders may want to explore the app directly through their respective app stores to assess its capabilities.
Online Account Management Capabilities.
The article mentions that policyholders can log into their web accounts to access online claims filing. However, it does not provide comprehensive information about other online account management capabilities, such as policy management, bill payment, or document access. Policyholders should check the company’s official website or contact customer service for specific details.
Digital Tools and Resources.
The article does not delve into specific digital tools and resources offered by Horace Mann Insurance. To learn more about the digital resources available, policyholders should visit the company’s official website, where they can typically find educational materials, policy documents, and additional information related to their insurance coverage.
What’s the bottom line?
Horace Mann has a good reputation and appears to have low rates, at least based on the information we were able to find. They are well worth a look for those who are school employees and are seeking a company aimed at the needs of educators. Products are basic but solid and should meet the needs of most customers, with added benefits for teachers.
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Frequently Asked Questions
What is Horace Mann Insurance?
Horace Mann Insurance is an insurance company that specializes in providing coverage for educators and their families. They offer a range of insurance products, including auto insurance, home insurance, and life insurance, tailored to the unique needs of educators.
What types of insurance does Horace Mann offer?
Horace Mann Insurance offers several types of insurance coverage, including:
- Auto Insurance: Coverage for personal vehicles, including liability, collision, comprehensive, and uninsured/underinsured motorist protection.
- Home Insurance: Protection for homeowners, including coverage for the structure, personal belongings, liability, and additional living expenses.
- Life Insurance: Policies that provide financial protection to your loved ones in the event of your passing, including term life and whole life insurance options.
How can I obtain a quote from Horace Mann Insurance?
To obtain a quote from Horace Mann Insurance, you can visit their official website and use their online quoting tool. Provide the requested information about your insurance needs, such as vehicle details or property information, and you will receive a personalized quote based on your inputs. Alternatively, you can contact their customer service representatives directly to request a quote.
Are there any complaints or concerns related to Horace Mann Insurance?
While Horace Mann Insurance strives to provide quality service, there may be occasional complaints or concerns raised by policyholders. It is advisable to check consumer review websites and the Better Business Bureau (BBB) for any complaints or feedback from customers. Additionally, contacting Horace Mann Insurance directly to address any specific questions or concerns you may have can provide further clarification.
Can I bundle my auto and home insurance with Horace Mann?
Yes, Horace Mann Insurance typically offers the option to bundle your auto and home insurance policies. Bundling your insurance with the same company often provides the convenience of managing both policies under one provider and may offer potential savings through multi-policy discounts. It’s recommended to inquire with Horace Mann Insurance about their bundling options and any applicable discounts.
How do I file a claim with Horace Mann Insurance?
In the event of a claim, you can contact Horace Mann Insurance’s claims department directly using the contact information provided on their website or policy documents. They will guide you through the claims process, including documenting the incident, providing necessary information or documentation, and working towards a fair resolution for your claim.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many different insurance providers, which gives him unique insight into the insurance market...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.