Horace Mann Insurance Review & Ratings (2023)

An Overview: Horace Mann Insurance

If you’re looking for an insurance company that is dedicated to the education community, Horace Mann Insurance might be the perfect fit for you.

Here are a few interesting attributes of the company to consider:

• Horace Mann Insurance has been serving the education community for over 75 years.
• They offer a variety of insurance products, including car, home, and life insurance.
• The company offers several discounts for educators and their families.

Today, the company is still dedicated to the education community and offers a range of insurance products to meet their needs. In this review, we’ll take a closer look at Horace Mann Insurance and what they have to offer.

History and Mission: Horace Mann Insurance

Horace Mann Insurance was founded in 1945 by two Illinois educators, named Isaac Ellwood and Vernon M. Northrop. They started the company with the aim of providing affordable insurance to their fellow educators.

The company is named after Horace Mann, a famous American education reformer who is often referred to as the “father of American public education.”

From its inception, Horace Mann Insurance has been committed to serving the education community. The company’s mission is to help educators protect what they have and prepare for a successful future.

They offer a range of insurance products that are tailored to meet the unique needs of educators, including car, home, and life insurance.

Overall, the history and mission of Horace Mann Insurance reflect a strong commitment to serving the needs of the education community. They have been providing affordable insurance to educators for over 75 years and continue to be a trusted provider of insurance products and services for educators today.

States Where Horace Mann Offers Coverage

Horace Mann Insurance offers insurance products in many states across the United States. Horace Mann Insurance provided coverage in the following states:

Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin.

It’s worth noting that the availability of insurance products and specific discounts may vary by state, so it’s always a good idea to check with Horace Mann Insurance directly to confirm what’s available in your state.

Additionally, the company may have expanded its coverage to additional states since my knowledge cutoff date.

Coverage Options: Horace Mann Insurance

Horace Mann Insurance offers a range of insurance products and services that are designed to meet the unique needs of educators.

Here’s a brief overview of the main products and services they offer:

• Auto insurance: Horace Mann Insurance provides car insurance to educators, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. They also offer a variety of discounts, such as a safe driver discount, a multi-vehicle discount, and a good student discount.
• Home insurance: Horace Mann Insurance offers home insurance to educators, including coverage for the structure of the home, personal property, liability, and additional living expenses. They also offer discounts for safety features, such as smoke detectors and burglar alarms.
• Life insurance: Horace Mann Insurance provides life insurance to educators, including term life insurance and whole life insurance. They also offer additional benefits, such as accidental death and dismemberment coverage, as well as the ability to convert term life insurance to whole life insurance.
• Annuities: Horace Mann Insurance offers fixed annuities to educators, which provide a guaranteed rate of return over a set period of time. They also offer variable annuities, which allow the policyholder to invest in various funds and potentially earn a higher rate of return.
• Retirement planning: Horace Mann Insurance provides retirement planning services to educators, including 403(b) and 457 plans. These plans allow educators to save for retirement on a tax-deferred basis.
• Supplemental insurance: Horace Mann Insurance offers a variety of supplemental insurance products to educators, including disability insurance, cancer insurance, and accident insurance.

Overall, Horace Mann Insurance offers a comprehensive range of insurance products and services that are tailored to the unique needs of educators. They also provide a variety of discounts and benefits that can help educators save money on their insurance premiums.

Cost of Insurance With Horace Mann

It’s worth noting that the cost of insurance can vary widely based on individual circumstances, so it’s always a good idea to get a personalized quote directly from Horace Mann Insurance.

Additionally, it’s a good practice to compare quotes from multiple insurance companies to ensure you’re getting the best price for the coverage you need.

Horace Mann Insurance aims to provide affordable insurance options for educators. They offer a variety of discounts and benefits that can help educators save money on their insurance premiums.

They offer a good student discount for eligible students who maintain a certain GPA, a multi-vehicle discount for insuring multiple vehicles with Horace Mann, and a bundling discount for customers who combine their car and home insurance policies.

Discounts Available at Horace Mann Insurance

Horace Mann Insurance offers a variety of discounts that can help educators save money on their insurance premiums. Here are some of the main discounts they offer:

• Good student discount: This discount is available to eligible high school and college students who maintain a certain GPA.
• Safe driver discount: This discount is available to customers who have a clean driving record for a certain number of years.
• Multi-vehicle discount: This discount is available to customers who insure multiple vehicles with Horace Mann Insurance.
• Bundling discount: This discount is available to customers who combine their car and home insurance policies with Horace Mann Insurance.
• Anti-theft device discount: This discount is available to customers who install an anti-theft device in their vehicle.
• Accident-free discount: This discount is available to customers who have been accident-free for a certain number of years.
• Defensive driving discount: This discount is available to customers who complete a state-approved defensive driving course.
• Hybrid/electric vehicle discount: This discount is available to customers who own a hybrid or electric vehicle.

It’s important to note that not all discounts may be available in all states or for all types of policies. Additionally, eligibility requirements for discounts may vary depending on the specific discount and state where the policy is issued. To see which discounts you may be eligible for, it’s best to contact Horace Mann Insurance directly.

Customer Reviews: Horace Mann Insurance

Horace Mann Insurance has received mixed reviews from customers. While some customers have had positive experiences with the company’s customer service and claim handling, others have reported issues with billing, delays in claims processing, and difficulties in canceling policies.

According to the Better Business Bureau (BBB), Horace Mann Insurance has an A+ rating, but the company has received a number of customer complaints in recent years.

Some of the most common complaints include issues with billing and payments, difficulty canceling policies, and delays in claims processing.

It’s important to note that customer experiences can vary widely, and it’s a good idea to do your own research and read reviews from multiple sources before making a decision about an insurance provider.

In Summary: Horace Mann Insurance

Overall, Horace Mann Insurance is a good choice for educators who are looking for affordable insurance products.

The company’s discounts for educators and their families are a standout feature, and their commitment to the education community is admirable.

If you’re in the market for car, home, or life insurance, Horace Mann Insurance is definitely worth considering.