Horace Mann Insurance Company Review 2025

Trusted Choice's Horace Mann Insurance Score

2.75 Stars

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We award Horace Mann insurance company a final rating of 2.75 out of 5 stars. The carrier is highly rated by AM Best and the Better Business Bureau (BBB) but is not BBB-accredited. The insurance company also has dozens of complaints filed against it through the BBB and a concerning volume of negative customer feedback spotted across the web. Customer reviews cite dissatisfaction and frustration in communicating with the carrier, getting claims resolved, and more.

Horace Mann was founded in 1945, giving the carrier just under 80 years' worth of experience in the insurance industry. The carrier's original name was the Illinois Education Association Mutual Insurance Company. Over time, the insurance company changed its name to honor the "father of the American public education system," Horace Mann. Today, Horace Mann is one of the largest educator insurance companies in the world. Its headquarters are in Springfield, IL.

Horace Mann offers several types of personal insurance for educators and their families, including home insurance, auto insurance, and more. Coverage is only available in select states. Overall, we recommend looking into other options with the help of your independent insurance agent to be your next trusted carrier.

Horace Mann Pros and Cons:

Pros:	Cons:
Longstanding carrier	Not BBB-accredited
Offers coverage for educators and their families	Limited claims process information
“A” (excellent) rating by the Better Business Bureau (BBB)	Dozens of complaints filed through the BBB
“A” (excellent) rating by AM Best	Large volume of negative customer feedback
Several discounts available	Coverage is only available in select states
24/7 claims reporting

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

Horace Mann Insurance Products by Type

Horace Mann provides several types of personal insurance for educators and their families. The carrier's catalog includes the following:

Horace Mann Homeowners Insurance

Horace Mann's homeowners insurance policies for educators and their families include all the standard coverages, such as dwelling, additional structures, liability, medical payments, additional living expenses, and contents. 

The carrier also offers several forms of optional coverage, including for scheduled personal property, water backup, and replacement cost for contents. A few additional coverage enhancements are detailed below.

Coverage types, features, and benefits:

Identity fraud

Horace Mann's optional identity fraud advocacy services coverage can pay for expenses related to professional help with restoring your identity should it get compromised.

Underground service line

Horace Mann's optional underground service line coverage can reimburse you for repairs or replacements to the underground lines, wires, and pipes beneath your home that may cause overflows and backups.

SimpliSafe home security

Horace Mann's optional SimpliSafe home security coverage can provide up to 64% savings for a 24/7 home security system.

Horace Mann Homeowners Insurance Average Prices

Horace Mann does not offer information about its average home insurance premium rates. Interested customers can request a quote online or work with a local independent insurance agent. You can also get a better idea of how much a home insurance policy might cost you by using our homeowners insurance calculator.

Horace Mann Car Insurance

Horace Mann's car insurance policies include the standard coverage options, such as liability, collision, comprehensive, and uninsured/underinsured motorists. When it comes to additional auto insurance coverage options, Horace Mann falls quite short compared to most carriers. Horace Mann offers emergency roadside assistance coverage and rental reimbursement coverage. These two coverages exhaust the carrier's list of extras.

Horace Mann Car Insurance Average Prices

Horace Mann does not offer information about its average car insurance premium rates. Interested customers can request a quote online or work with a local independent insurance agent. You can also get a better idea of how much a car insurance policy might cost you by using our car insurance calculator.

What Discounts Does Horace Mann Offer?

Horace Mann offers many competitive discount programs for customers. Its home and auto insurance discounts include the following:

Homeowners Insurance Discounts:

• Multi-line discount: Offered to home insurance customers who also buy auto insurance, annuities, or life insurance from Horace Mann.
• New construction discount: Offered to home insurance customers whose homes were built within the last 10 years.
• Claim-free discount: Offered to home insurance customers who remain claim-free for at least three years.
• Loyalty discount: Offered to home insurance customers who have a renters insurance policy with Horace Mann and convert it to a home insurance policy after buying a home.
• Protective device discount: Offered to home insurance customers who install protective devices in their homes to discourage theft and fire damage.
• New home buyer discount: Offered to home insurance customers who buy and insure a new home within one year of being a Horace Mann policyholder.

Car Insurance Discounts:

• Educator discount: Offered to auto insurance customers who are teachers, administrators, or other educators.
• Multicar discount: Offered to auto insurance customers who insure more than one vehicle with Horace Mann.
• Payroll discount: Offered to auto insurance customers who have their premiums directly deducted from their paychecks.
• Additional discounts: Horace Mann offers a few additional discounts for auto insurance customers, including for driver safety, car safety, good student drivers, etc.

An independent insurance agent can provide better discount information and premium quotes for coverage through Horace Mann. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.

Horace Mann Customer Service

Horace Mann allows customers to file claims online, by phone, or through a mobile app at any time. The carrier provides the following customer service options and availability:

To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.

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