Horace Mann Insurance Review & Ratings (2023)

This Horace Mann Insurance Review will cover Horace Mann Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Horace Mann Insurance A.M. Best rating is A-, and the Horace Mann Insurance S&P Rating is A. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Feb 21, 2023Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Feb 21, 2023

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Company Details
Address: 1 Horace Mann Plaza
City: Springfield
State: IL
ZIP Code: 62715
Phone Number: (217) 789-2500
Fax: (217) 535-7117
AM Best Rating: A-
S&P Global Ratings: A
Moody's Rating: A3
Fitch Rating: A

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.

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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.

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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.

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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.

Reviews
for Horace Mann Companies

3.65 (243 reviews)
1
December 8, 2022

8675309

HORRIBLE COMPANY

We will be cancelling this policy. We were sold a rental policy with fraudulent claims that it would be effective when we needed it. We asked several times and the agent kept confirming that yes it would cover. Horace Mann is refusing to reimburse us on this policy even though the agent guaranteed it would cover and Horace Mann is saying it does not. We have been with this company for over ten years and would have thought they would have better ...
We will be cancelling this policy. We were sold a rental policy with fraudulent claims that it would be effective when we needed it. We asked several times and the agent kept confirming that yes it would cover. Horace Mann is refusing to reimburse us on this policy even though the agent guaranteed it would cover and Horace Mann is saying it does not. We have been with this company for over ten years and would have thought they would have better customer service. DO NOT PURCHASE. I feel that we were literally lied too and our money stolen with not as much as sorry or let me give you a partial refund.
1
November 10, 2022

NMcMinn

Horace Mann is profiting from Customers due to Guidewire

I have had Horace Mann for many years and absolutely love the company. However, they switched to Guidewire about a year ago and I have had nothing but problems with them. They last issue included an agent removing a car from my policy, and because I only had one car my rate shot up. I questioned it several times, and when I went to have it fixed discovered that my educator discount was removed from February-September. When they went to fix it,...
I have had Horace Mann for many years and absolutely love the company. However, they switched to Guidewire about a year ago and I have had nothing but problems with them. They last issue included an agent removing a car from my policy, and because I only had one car my rate shot up. I questioned it several times, and when I went to have it fixed discovered that my educator discount was removed from February-September. When they went to fix it, I was told that Guidewire wouldn't allow it so they cancelled my policy. I was owed about $50 before, and now owe over $1,000. Managers will not return my calls, and they do not value long term customers. This is extremely frustrating, and my understanding is that Guidewire will not be rolled out into other state due to the technical errors of Guidewire. Owning my own business, I know that Horace Mann can make this right, but just don't care to be honest.
1
November 8, 2022

Me12

Total loss claim

This company is a joke!!!! My wife got rearend by one of your customer and total loss her car and they have gave us so much run around no call backs very poor customer service no communication on what to do we have had to just keep calling and dragging any answers we can get!!! This place really really sucks wouldn't recommend getting insurance through this place at all
1
October 19, 2022

Bowser81

Shop Around

No customer loyalty. I've been an auto insurance customer of Horace Manns for over 5 years. Missed a bi annual payment and because of that my rates went up over 400$ per 6 months.
4
October 18, 2022

gitto

Never Reached out

The total loss claim adjuster was no very helpful. I basically had to do all the work. I spoke with her on (Oct.12) and she said she was still waiting for the paperwork so she could issue the check. I called my lender on Friday(oct. 14) asking if they sent the paperwork and they said they faxed it on Oct.11. Once I called the manger (whom was very helpful) he monitored the situation. I finally got an email Friday night saying my check has be...
The total loss claim adjuster was no very helpful. I basically had to do all the work. I spoke with her on (Oct.12) and she said she was still waiting for the paperwork so she could issue the check. I called my lender on Friday(oct. 14) asking if they sent the paperwork and they said they faxed it on Oct.11. Once I called the manger (whom was very helpful) he monitored the situation. I finally got an email Friday night saying my check has been mailed. I'm not sure who dropped the ball but it I should have had my check sooner. I should not have to do all that. It should have been on the adjuster to follow. I never received a call from her or anything! I was always the one reaching out. I was without a car over week!
1
August 26, 2022

Thmcc001

The roadside assistance vendor is horrible

First time in over 5 years I have had to use insurance. I called the Horace man number for roadside assistance and I've been waiting 5 hours so far for a tow truck. The roadside assistance coverage is for a $115 that covers about half of a tow in minneapolis. I recommend that you consider other companies because this one is pretty expensive for low quality service.
3
April 4, 2022

EUSHE

Customer Service Phone Line Not Helpful

The customer service phone line is in no way helpful. I got ahold of a customer service rep about a question I had with my renter's insurance policy (pretty simple question). The phone went silent after a few minutes of them looking into something for me, and then the phone call cut off. I called again, got a different agent, they also took a few moments to look into something, and then out of nowhere (after my rep had went silent for about a min...
The customer service phone line is in no way helpful. I got ahold of a customer service rep about a question I had with my renter's insurance policy (pretty simple question). The phone went silent after a few minutes of them looking into something for me, and then the phone call cut off. I called again, got a different agent, they also took a few moments to look into something, and then out of nowhere (after my rep had went silent for about a minute), I get transferred to my policy agent (neither he or myself received warning that I was being transferred). The reps need better training on how to communicate with customers, and how to look into issues without "accidentally" hanging up or transferring you without warning.
1
April 1, 2022

hmn

Claims Rep needs better customer service training!

We have been with Horace Mann for over 15 years. We recently had an auto claim. Took a month to resolve everything. The claim was due to theft. It was difficult to get a hold of the claims rep, who he does not do well with returning calls. When it's all set and done he said we came out winning! Excuse me! We had to take time off from work for the adjuster, take our vehicle in for service, and pay our deductible! We lost over hundreds of dollars f...
We have been with Horace Mann for over 15 years. We recently had an auto claim. Took a month to resolve everything. The claim was due to theft. It was difficult to get a hold of the claims rep, who he does not do well with returning calls. When it's all set and done he said we came out winning! Excuse me! We had to take time off from work for the adjuster, take our vehicle in for service, and pay our deductible! We lost over hundreds of dollars from work hours plus deductible. How the hell did we came out winning sir?? Horace Mann, please clarify how we came out winning on this losing claim?? We will keep an eye out for a better insurance with better service where our thousands of yearly hard earned dollars go to! We don't believe that this is an educator's insurance for educators as it once stated! We are very disappointed Horace Mann!
1
September 4, 2021

bobbbbbb

Expandable deductables and delinquint paperwork.

My experience with your company went south when the adjuster became involved. He was very hard to contact, offered little information and did his best to ignore my rather small claim. Our agent needed to get involved just to get him to respond to our questions and needs. Once we cornered him into a conversation he was unhelpful and seeminly vindictive towards me, looking for every way posible to charge me more and make my experience worse. He...
My experience with your company went south when the adjuster became involved. He was very hard to contact, offered little information and did his best to ignore my rather small claim. Our agent needed to get involved just to get him to respond to our questions and needs. Once we cornered him into a conversation he was unhelpful and seeminly vindictive towards me, looking for every way posible to charge me more and make my experience worse. He towed my vehicle to a shop 60 minutes from my house, was unavailable everytime I called, and made me pay for parts that were damaged- on top of my deductable. I'm very dissatisfied with my experience, and now worried about my other vehicles and home as they are insured here also. I expect this philosophy of skimp and save is company wide and / or rewarded in some twisted way. Also, we have even been contacted by our mortgage provider for payment on our home insurance as Horace Mann was tardy with the bill to them. Im not even sure how you can screw this up as it has been the same for over a year now. Having said this, I need to point on that our agent has been very helpful. In fact without her I would have received zero information from the "adjuster".
2
July 30, 2021

Jbullock

Horrible customer service

In early July of 2021 I received a fine for lapsed auto insurance from the Georgia DMV. I immediately called customer service as my last two agents were no longer working this area and there was no new agent. The representative said the policy had never lapsed and would send a VIN verification that would take care of the fine. Two weeks later, two VIN verifications later and six different reps later, with the fine still there, I found out that on...
In early July of 2021 I received a fine for lapsed auto insurance from the Georgia DMV. I immediately called customer service as my last two agents were no longer working this area and there was no new agent. The representative said the policy had never lapsed and would send a VIN verification that would take care of the fine. Two weeks later, two VIN verifications later and six different reps later, with the fine still there, I found out that one verification was sent to North Carolina and the first one cannot be found. I live in Georgia and every time I speak to a rep I have to verify my address. A customer service manager could not explain why it had been reported lapsed or why the verification was sent to the wrong state or where the first one even went. I received a half sincere apology. Two weeks later and some six reps later they supposedly sent the VIN verification to the right state. I have to wait a few days and see if it goes thru. I have wasted a few hours of my time dealing with something that is clearly Horace Mann’s fault. I have checked rates at other companies and while a little bit more I will seriously be considering moving due to this horrible customer service experience.
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