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: Apr 26, 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.
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: Apr 26, 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.
What are the Horace Mann Insurance reviews on BBB?
You can find reviews and ratings for Horace Mann Insurance on the Better Business Bureau (BBB) website.
What is the process for filing claims with Horace Mann Insurance?
To file a claim with Horace Mann Insurance, you can contact their claims department directly by phone or visit their website for online claims filing options.
Are there any Horace Mann Life Insurance reviews available?
Reviews for Horace Mann Life Insurance may be available online through customer feedback and review platforms.
Is Horace Mann Insurance exclusively for teachers?
While Horace Mann Insurance has special benefits tailored for educators, it is not exclusively for teachers. Other school employees may also be eligible for coverage.
Can I get insurance through Mann Insurance Agency?
Mann Insurance Agency may offer insurance coverage, but it is not affiliated with Horace Mann Insurance.
Does Horace Mann offer discounts for educators on auto insurance?
Absolutely, as a teacher insurance company, Horace Mann Insurance provides discounts tailored for educators, including teachers, on their auto insurance policies.”
How do I access my account on www.horacemann.com?
You can access your account on www.horacemann.com by logging in with your username and password.
Is Horace Mann a good insurance company?
Horace Mann Insurance has received positive reviews from educators for its tailored coverage options and discounts, but individual experiences may vary.
Who owns Horace Mann Insurance?
Horace Mann Insurance is owned by The Horace Mann Companies, which focus on providing insurance and financial services to educators.
What are the reviews like for Horace Mann’s retirement services?
Reviews for Horace Mann’s retirement services are generally positive, with many educators appreciating the company’s focus on their specific needs.
Can I make payments for my Horace Mann policies through Horacemann.com?
Horace Mann customers have the option to conveniently submit payments via the Horacemann.com website, providing added ease and accessibility. For further assistance, they can also utilize the customer care center available on horacemann.com.
How do I log in to my Horace Mann account on Horacemann.com?
To access your Horace Mann insurance account, simply go to the Horacemann.com website and find the login section. From there, input your login details to gain entry to your account.
What are the Horace Mann auto insurance reviews like?
Horace Mann auto insurance reviews are generally positive, with many customers praising the company for its competitive rates, specialized coverage options for educators, and excellent customer service.
Where is Horace Mann headquarters located?
Horace Mann’s headquarters is located in Springfield, Illinois, USA.
Does Horace Mann Insurance offer discounts for teachers on car insurance?
Horace Mann Teachers Insurance offers exclusive discounts for educators and teachers within their auto insurance policies. These discounts are featured in the Educator Advantage initiative, designed specifically to address the distinctive requirements of individuals in the education profession
Are there any Horace Mann 403b reviews available online?
While Horace Mann primarily specializes in insurance products, they also offer financial services such as 403(b) retirement plans. You may find reviews and information about Horace Mann’s 403(b) plans through financial review websites or by contacting the company directly.
How can I find a Horace Mann agent in my area?
You can locate a Horace Mann agent near you by using the agent locator tool on the company’s official website. Simply enter your ZIP code, and you’ll be provided with contact information for agents in your area.
What is the Horace Mann auto insurance phone number for claims?
Is there a Horace Mann office in Clinton, NC?
While Horace Mann operates nationwide, including in North Carolina, specific office locations may vary. You can verify the presence of a Horace Mann office in Clinton, NC, by using the agent locator tool on their website or by contacting their customer service.
How can I contact Horace Mann for general inquiries?
For general inquiries or questions about Horace Mann’s insurance products and services, you can reach out to their customer service department through various channels, including phone, email, or online contact forms available on their website.
Where is Horace Mann’s corporate office located?
The Horace Mann address is in Springfield, Illinois. For specific address details or inquiries, you can visit their official website or contact their corporate headquarters directly.
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.