Last Updated: 04/18/2025
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Community Rating
Strongly recommended
Financial Strength Rating
A(Verified 04/18/2025)
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Horace Mann Home Insurance Review
Horace Mann Home Insurance is an insurance carrier based in Springfield, IL. The company was founded in 1945 and offers home insurance in 50 states (and Washington, DC).
Horace Mann Home Insurance FAQ
What is the financial strength rating of Horace Mann Home Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.
Horace Mann Home Insurance scores an A or excellent financial strength rating, which is SuperMoney's second highest available score.
What types of coverage does Horace Mann Home Insurance offer?
Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. Horace Mann Home Insurance offers the following types of home insurance coverage:
Dwelling Coverage:
Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.
Medical Payments to Others:
This helps cover the medical costs of visitors who are injured on your property. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.
Liability Coverage:
The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.
Other Structures Coverage:
This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.
Personal Property Protection:
This coverage protects the items in your home, like your furniture. If they're damaged or stolen, personal property coverage could help you cover the cost of replacing them.
Loss of Use Coverage:
This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.
Horace Mann Home Insurance customers can also add the following riders or endorsements to their home insurance policies:
Earthquake Coverage (state-dependent):
This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.
Identity Theft Protection:
This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.
Valuable Items:
Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.
How can you save money on a Horace Mann Home Insurance home insurance policy?
These are the property-specific discounts currently available.
- Alarm System
- Home Security or Protective Devices
- Recent Home Improvements / New Roof
- Home Monitoring System
- Smoke Detectors
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Horace Mann Home Insurance.
What additional benefits does Horace Mann Home Insurance offer?
Horace Mann Home Insurance offers the following benefits to its customers:
24/7 Phone Availability:
Customer service is staffed around the clock.
Local Agents:
Perfect for people who prefer the personal touch of a local insurance agent.
Digital Claims Reporting:
Never fax or mail a document again.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Other Services by Horace Mann Insurance Company
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Reviewer Sentiment Over Time
Horace Mann Home Insurance Community Reviews
Would you recommend Horace Mann Home Insurance to your friends?
MC
Mazhar C.
Nov 25, 2022
Would Recommend
Yes, I recommend this insurance because it gives discount on new roof which is quite rare honestly. Not many home owner insurances offer this kind of discount
AH
Abry H.
Oct 3, 2022
Would Recommend
We contacted Horace Mann for a quote on insurance when we were thinking about changing. They responded quickly and with a range of offers that they thought might work for us. The agent we spoke with was very informed about all of their offerings and she wasn't pushy. I love that they offer a discount for educators, and they also mentioned that they offer a whole slew of options specifically ...Show More
Sana F.
Sep 28, 2022
Would Recommend
Yes, I recommend this insurance because it gives discount on new roof which is quite rare honestly. Not many home owner insurances offer this kind of discount.
Sania A.
Sep 18, 2022
Would Recommend
Yes, I would like to recommend it because it earned my trust. They have the quickest most reliable customer service team and their rates are reasonable.
FM
Fathima M.
Aug 27, 2022
Would Recommend
I would highly recommend them.Horace Mann Insurance was easy to work with and their local agents gave us the right amount of attention to the property and with no hassle I bought my new home. They made my process very quick.
Truelove G.
Jul 30, 2022
Would Recommend
Recently contacted them regarding home insurance on our new home. they had several options available, and were very friendly and helpful. We ultimately stayed with our old insurer who offered a better deal, but Horace Mann are quickly becoming competitive in their field and I would recommend them to new buyers.
LR
Lily R.
Jun 30, 2022
Would Recommend
Horace Mann Insurance company is newer to the field but they’ve quickly become the only insurance company I trust! I recommend them all the time to my friends and family!! I’d recommend them to you too! They have the quickest most reliable customer service team and the best rates.
Showing 7 of 7 reviews