Horace Mann Insurance Review

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Premium Price
Claims Process
Consumer Feedback
Financial Strength
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Products  |  Price  |  Claims  |  Complaints  |  Financials  |  Bottom Line

Horace Mann Insurance Summary

Headquartered in Springfield, Illinois, Horace Mann was founded in 1945 as the Illinois Association Mutual Insurance Company but the name was changed later to honor a 19th century U.S. senator who was an ardent and steadfast supporter of public education.

Marita Zuraitis is the President and CEO of Horace Mann. Gabriel Shaheen is Chairman of the board of directors.

Horace Mann includes several affiliates and subsidiaries, including Horace Mann Insurance Company, Horace Mann Life Insurance Company, Horace Mann Life Lloyds, Horace Mann Property & Casualty Company, and the Teachers Insurance Company.

Along with insurance, the company also provides annuity programs for school districts in the United States, hosts an educator advisory panel, offers education awards and recognition programs, provides free education and teacher resources and has formed a partnership with DonorsChoose.org to allow education professionals to seek donations for teaching tools and resources.

In 2014, the company was named as one of the Top 50 Most Trustworthy Financial Companies by Forbes Magazine after being honored as one of Forbes Top 100 Most Trustworthy Companies in 2013.

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Insurance Products

With its focus on educators, Horace Mann offers a full line of personal insurance products.

  • Home Insurance — Products include homeowners insurance, renters insurance, identity theft coverage and optional replacement cost coverage. Its Homeowner Educator Advantage® endorsement provides additional coverage, typically waived deductible for certain occurrences, where available.
  • Auto InsuranceCar insurance is available separately or packaged with homeowners. Educator Advantage® is also available on auto insurance. Auto and home products and services are not available in Hawaii, Kentucky, Mississippi, New Jersey, and New York.
  • Life Insurance — Horace Mann offers term life, whole life, universal life, and variable universal life policies. Life insurance and fixed annuity products are not available in New Jersey and New York.

Disability Income Protection Insurance is also offered, but not available in all states.

Horace Mann Insurance Price (Rates)

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Although Horace Mann has a limited network of agents, it provides customers with the ability to get quotes on their website if you qualify. Horace Mann has reasonable rates for a company that works primarily through agents, and discounts are available for many of their policyholders.

Claims

Customers are asked to register online, but once they have, claims can be made directly on the website. To speak to a claims representative, customers can call 800-999-1030.

Auto glass claims can be made by calling 888-321-9391 or by scheduling a repair through safelite.com which services Horace Mann auto glass claims.

Consumer Research and Complaints

Horace Mann Companies is not accredited by the Better Business Bureau, but it carries an A+ rating. In the last three years there have been 31 customer complaints filed with BBB against Horace Mann. Four were billing issues. Twenty-six were problems with product/service. Eighteen complaints were closed in the last 12 months.

Horace Mann has surprisingly high ratings on consumer review websites compared to most other insurance companies. Reviews left by consumers tend to be negative in this field, so 2.5 out of five stars with over 171 ratings (On FreeAdvice.com) is a very high score. That does not mean the organization is free of complaints, just that there are more people willing to give them a good rating than we usually see.

Financial Strength

Rating CompanyGradeFinancial Outlook
AM BestA-Stable
FitchAN/A
S&PAStable

Bottom Line

Horace Mann appears to be a good choice for those in the education field. They have relatively high customer satisfaction scores and provide the typical insurance coverage an individual or family would need. Their rates are reasonable compared to many other agent-driven companies.

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Summary
Reviewer
Eric Stauffer
Review Date
Reviewed
Horace Mann
Author Rating
3

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About the Author

Eric Stauffer

I am a former insurance agent turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


Comments

  1. Andriea Jones says

    I have been a member with Horace Mann Insurance since 2007 and have had a terrible experience.
    They are suppose to represent educators and administrators and that is not the case at all. This has been the worse experience with an Insurance company. I was in a wreck and was not at fault and have two policies with them and now they refuse to assist, stating i didn’t have collision coverage on the car that was wrecked, however in Good Faith I was sure the agent had full coverage on both vehicles. Now I am without a vehicle and Horace Mann Insurance refuses to help at all. I have paid my premiums through payroll deductions and now that I need their assistance, This is the treatment I received.

  2. Karin says

    I’m dealing with horace mann insurance now. They have horrible customer service. I will be filing a complaint with the better business bureau and the insurance commissioner

    • Laura says

      I wish you all of the best, as I experienced a major catastrophe, provided out of pocket expenses, & begged for the Insurance Commissioner’s help, & never saw a dime of the several thousand dollars that was due to me. Hire a lawyer before it is too late, to at least provide you direction & a state of mind.

  3. Kelly says

    Jan 27th an insured of Horace Manns ran a red light and struck my vehicle. Their insured acknowledged fault. There is no question of liability. Four days and eighteen phone calls later-…. nothing. Eighteen phone calls and have never had anyone actually answer their phone. Think about that. I was taught that if it is predictable it is not random.

    An adjuster came by and totaled my vehicle. HM has not offered settlement or issued payment. Since then I have been ticketed and received a ‘red tag’ – meaning my vehicle will be towed. Five of the eighteen calls are to a ‘claims manager’ none of which have been returned. Every out going voice mail message says that your phone call will be returned same day. I have received one return phone call from an adjuster saying that my claim has been re-assigned.

    If you need insurance to protect your asset base from a potential liability suit I would not recommend this carrier. Their claims handling process will, in my opinion and experience, increase the likelihood of being sued. I have filed a complaint with the BBB. Next two phone calls are to the insurance commissioner and my attorney.

  4. Jimmy says

    Horace Mann is the WORST company to deal with. Rude claim adjusters (dude hung up on me), bad service (if you’re not able to pick up the phone when they call, don’t expect to reach anyone that day – leave a message and they will get back with you tomorrow!!!), refuses to put you in a comparable vehicle (you have a mid-size car, we’ll put you in a compact. You have a large SUV, we’ll put you in a compact), refuses to make repairs to pre-accident condition (we can’t see how a 40 mile per hour collision would knock your front end out of alignment?) and an oldie but goodie – Check is in the mail!!!!!!!!

    I’m not a “lawyer up” type of guy and just want to settle the claim quickly and amicably, but they refuse and want to argue over everything.

    Advise: DON’T deal with these adjusters, at least not the ones in Cary, NC. Get yourself a lawyer from the get go and save yourself the time and hassle. Don’t try to be fair and do what’s best for both parties – get a lawyer that knows how to handle companies like this and SUE, SUE, SUE!!!!!

  5. Michael Levine says

    I recently had a homeowners claim for water damage to a basement resulting from a broken pipe. They told me that it was from ground water and refused to pay anything at all. When I stated that I wished to appeal the finding I was told that I could not appeal.

  6. J. Del says

    VERY DISSAPPOINTED with this Horace Mann Car Insurance Company. I called them in August 2013 about the accident in my car. I needed the car fixed or replaced and till this day I have no Status. Till this day with no Status.

  7. Scott says

    Wow, I’m glad Horace Mann has a nice S&P rating. Of course they got it by screwing their customers. I have been a member for nearly 10 years. I had a break in to my house. They found every way not to pay. Deductible, heavy depreciation, and limiting coverage to a maximum dollar amount per category. Then, after I made the claim, they cancelled my policy… Good for their profits, and S&P. Too bad they don’t care about the customer they way they do their financial ratings.

    • Pamela Manigault says

      I am going through the same issue with them now. Someone broke into my home while I was at work. I called the police and filed a claim the same day it happened. It is has been a month and the claim adjuster has never been out to my home. They told me when I made the claim that the adjuster would be out to my home to look at the damages within three days. I have called my claims representative over 20 times and she only returned my calls once to tell me that I needed to fax her a copy of my police report and an estimate for damages. This was two weeks after the claim was made. The night I made the claim the claims agent requested the police report number, which I gave to her, because she said she needed it to get a copy of the police report. I had to do all the “leg work” myself. My thing is when we’re they going to tell me I had to gather and fax all that info to them. In the meantime, my daughter and I are living in our home in fear because anyone can now enter my home through the broken garage door and gain access to the dwelling area of our home. I have been with Horace Mann for ten years. I never had a claim. They have received thousands of dollars from me. Now it appears as if they don’t want to pay on the claim. I am dumping them when this claim is settled.

  8. Phyllis Kent says

    I am so exhausted dealing with Horace Mann – they used to be so good! I started with them in 1996. In the early 2000′s I was surprised at how much they were increasing but I was told it was because values were going up. I then switched to allstate early this year. My mortgage company had already sent the payment to them so I had to pay in full for my new policy with Allstate. I received a call from Horace Mann about a month ago about renewing my policy. I said that I didn’t have insurance with them – I provided a policy from Allstate.
    At the same time I discovered that someone at the county had entered a typo back in 2002 on the square footage of my home. This is why my rate had been so high – they were using a much higher sq ftg to calculate replacement. So for ten years I was paying a 1000 year extra for something I shouldn’t have ( I had always assumed they were using the sq ftg I signed for when I purchased the original policy )
    Now they are saying they never received my cancellation and I must keep the policy till the end of the term. UGHHH
    .

  9. Serafina says

    I am very dissatisfied with Horace Mann insurance. They took over last year and instead of making using a PayFlex card easy, they make it a chore. They want me to send birth certificates showing my children are mine and then have been asking me to send an explanation of benefits each time I use my PayFlex debit card. What’s the point? I should simply submit each bill to them personally. This company is a ridiculous waste of my time. The company I used for two years previously asked for proof of one claim I believe in 24 months. When you are using your PayFlex card to pay obvious medical bills, this amount of work to justify use of my own money is just absurd. I will never get a PayFlex card again if I have to deal with them. I’d rather lose out on the tax savings to avoid all this unnecessary paperwork and my time. I am a very unhappy customer.

  10. A Former Horace Mann customer says

    Horace Mann created so many problems for our family after we were hit by a tornado. I had to involve my state’s department of insurance to get them to cover our interior flooding resulting from the tornado removing our roof and gutters.

    They only paid out on the tornado-related flood damage because my state has a very active regulatory agency that wasn’t afraid to intervene on my behalf. It took almost a year to resolve our claim, so we had to pay all the contractors out of pocket while we held out for flood repayment.

    After this experience, my uncle (a retired high school principal) called me and said he’d wished he had warned me off them. Many years before I was born his family were denied a just claim.

    Our agent was very friendly when we were buying the insurance, but just threw up his hands when the company categorically denied our claims which were clearly covered under our policy.

    Horace Mann also placed some erroneous information on our insurance record (it’s like a credit report for your insurability) even after they’d agreed to pay our initial claim. It took me over a year to get our record corrected.

    Check your state’s Department of Insurance Complaint list before buying insurance. It should give you an idea who settles fairly and which companies require regulatory intervention to pay contracted services.

    • Laura says

      I can empathize…it is almost as sensible to have no insurance at all, as Horace Mann & every aspect of the company, makes your life & catastrophe worse than the actual event.

  11. Darryl Bridges says

    My girlfriend had Horace Man auto insurance for almost 40 years, when she had an accident they offered her $900 for a Tahoe worth around $6000. After complaining they sent the comparison vehicles they used. They subtracted $600 for cracked leather seats, about $1500 for a slight dent, $1400 for high mileage which 2 of their comparison trucks also had. They even took value off for the tires not being new which were better than the trucks they used for comparison. I would suggest extreme caution when dealing with Horace Mann.

  12. J Cotter says

    VERY dissatisfied with Horace Mann Insurance. I have been a member since 1980, have only two claims filed against me; they paid $1500 out once in 33 years. I have never had a ticket. But because the two claims were in two years and one involved a child on a bike that was not hurt, they are dropping me. They tell me I am high risk and I will not be able to find anyone to insure me. They want to sell me insurance from a sister company that will run $300 per month.

  13. Gary Blackwell says

    VERY dissatisfied with Horace Mann Insurance. Pay the premiums for years and then when you need to file claims what happens – cancel your insurance of course.

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