Horace Mann Insurance Company – Reviews and Ratings (2023)

Horace Mann tries to make it easy for teachers and educators to find suitable insurance options, including beneficial discounts. Through this review, we try to take an in-depth look at the ratings and reviews about the company, so you can make an informed decision if you are considering getting a Horace Mann Insurance policy.

Do not forget to compare the rates of several insurance companies before deciding on one. Make sure you’re getting the rate and coverage that best fits your insurance needs. Simply enter your ZIP code below and take a few minutes to request a quote.

Horace Mann Insurance Background

Two teachers from the state of Illinois founded Horace Mann in 1945 with the purpose of providing educators with specialized and affordable insurance. The company was named after the American educational reformer, also called the Father of the Common School. Over the years, the company expanded its insurance products, including all school employees, while expanding into more areas. 

Horace Mann currently provides its insurance services across the country at affordable rates. Today, the insurer can be compared to the world’s largest insurance companies for educators. Indeed, many of their services remain geared toward meeting the specific needs of American educators, including assistance with classroom financing, student loan assistance, and other financial planning services.

Horace Mann Insurance Overview

Horace Mann is a proven insurance company that has provided quality insurance policies and services for over 45 years. The company has offices and agencies throughout the country, although it is headquartered in Springfield, Illinois. 

Millions of teachers and educators take advantage of its unique educator-focused coverage. Those who practice the honorable profession of educating can benefit from the company’s deep discounts. Horace Mann auto insurance also offers discounts to those who are not educators, but those workers in the education sector will be particularly understood and protected.

Horace Mann offers numerous products to the nation's educators, including health, life, and retirement plans.

Educators receive additional coverages at no extra cost, including comprehensive coverage claims with reduced deductibles, liability coverage, and injury insurance if you transport students in the insured vehicle.

AM Best rated the company’s financial strength an “A”, demonstrating the company’s stability and strong reputation. However, while this is a very good rating, Horace Mann’s auto insurance doesn’t measure up other large companies it competes with that have an A++ rating like State Farm or Geico.

Insurance agents, often former educators, are the ones who sell the company’s insurance products. Knowing the real needs of this type of client, they are in charge of providing cheap car insurance coverage, special rates, and discounts for educators. In this way, clients receive personalized service and unbeatable insurance programs.

Horace Mann Insurance Products

Horace Mann offers a variety of specialized insurance products for educators. Among the several types of coverage that the company offers are the following:

• Auto insurance
• Home insurance
• Life insurance (Including Term life insurance, Whole life insurance, Cash value term life insurance, Universal life insurance, Variable universal life insurance, Indexed universal life insurance.) 
• Liability insurance
• Renters insurance

• Supplemental insurance
• College savings and investments
• Investments (Including Investment management services and Annuities) 
• Savings and retirement (Including Individual retirement accounts and Employer-sponsored retirement plans)

Although they primarily provide insurance plans, Horace Mann offers several financial products, hosting financial awareness workshops offering advice on retirement planning and student loan forgiveness.

Auto Insurance Coverage Options

Horace Mann’s auto insurance program offers standard coverages that include:

• Liability Insurance
• Comprehensive coverage
• Collision coverage
• Uninsured/Underinsured Motorist Insurance

However, Horace Mann does not offer medical payments (MedPay) or personal injury protection (PIP). But, in addition to the common types of auto insurance, Horace Mann auto insurance offers other non-standard coverages. These include:

• Rental reimbursement coverage
• Roadside Assistance

Additionally, each policy sold to a teacher will have the Educator Advantage package included at no additional charge. Among the benefits that this package includes are the following:

• New car replacement
• Vehicle liability coverage if transporting students.
• Reduced or waived deductible for vandalism at a school-sponsored event or on school property.
• The base policy may include greater roadside assistance coverage.
• Pet coverage up to $1,000.

Nevertheless, if you want to get car insurance quotes from providers near you, just enter your ZIP code below. By comparing several quotes online, you can reduce your car insurance rates by up to 20%.

Auto Insurance Discounts

Special auto insurance discount programs are available in every state in the country. These additional benefits and advantages include the following:

• Educator discount
• New customer discount
• Multicar discount
• Multiline discount
• Car safety discounts
• Driver safety discount
• Good student drivers discount
• Association member discount
• Payroll discount
• HMDrive®

If you contact an insurance agent of the company, you will be able to find out in more detail which of these discounts you can qualify for. This way, you can get the most out of your insurance budget with Horace Mann.

Horace Mann Auto Insurance Rates

Unfortunately, it is not possible to estimate Horace Mann rates online as the company only offers quotes and rates through an agent. You should keep in mind that the insurer is targeting a specific market. This is fundamentally the reason why the offer is provided only through agents. 

You can find the cost and discount information provider nearest to you through the agent locator available on the website.

Based on our research, the company offers competitive rates in the standard insurance market for some states, even for customers who are not teachers or educators.

Horace Mann Customer Service

Horace Mann offers many customer service options. These services include information about the insurance policy and payment options available through the official website.

Customers can make and manage claims not only through the online self-service portal but also over the phone. Please note that the Horace Mann Customer Service Center has certain time restrictions: Monday through Friday, 7 am to 8 pm. Horace Mann also ensures that they can be contacted by mail.

In addition, the company’s extensive network of insurance agents not only promotes discounts and coverage but also handles claims and attends to any queries from their clients.

Filing A Claim

The online claim service is available on the Horace Mann website. Once logged in, you will be able to access the checklist for each type of claim. You will be able to determine what you can expect from the process in your particular case based on the basic information provided on the site. Both claim information and the phone or email address to make claims are easy to locate on the site. You also have some tips and steps to take after an accident.

Another way to report Horace Mann claims is through the company’s claims offices that provide services 24 hours a day, 7 days a week. On the website, you can download the necessary forms for both online filing and print them out and take them to a local agent. Through 800-999-1030, you can contact a company representative that will process your claim.

The company has the Horace Mann Mobile application, where you can also have quick access to report a claim.

Horace Mann Auto Insurance Quotes

Auto insurance quotes are another service that Horace Mann provides, but the quotes will not be generated through the website. The company’s detailed quoting tool will only generate a call from a local agent.

Once the customer enters their ZIP code and school district, they will also need to provide some personal information. This includes details of the driver and the vehicle driven. A Horace Mann agent will contact the prospective client once the data is reviewed. While building a satisfactory relationship, the agent will offer coverage options that fit the client’s particular needs.

Horace Mann Mobile App

Horace Mann provides a well-designed free mobile app that can be downloaded both on iPhone and Android. Among the convenient features of the application are the following:

• Quick access to information about the policy and the identification card.
• Check coverage, and types of discounts offered.
• Quick claims reporting.
• Check scheduled payments and billing due date.
• Contact a Horace Mann representative.
• Direct access to your local Horace Mann agent.

Horace Mann Ratings and Reviews

The company is recognized as an insurance provider with a strong outlook for the future and is financially stable. This is why AM Best rated Horace Mann an “A”, indicating that it is a recommended and reliable insurance company.

Additionally, the Better Business Bureau (BBB) ​​rated Horace Mann an A+, which is also indicative of excellent customer service. This is not to say that Horace Mann doesn’t have complaints on file with the BBB. In fact, 19 complaints and 11 negative customer reviews were recorded in the last three years. Most of these complaints are due to billing issues or dissatisfaction with customer service. However, there is nothing different with this company compared to other reputable ones, where there is always a group of customers who may be dissatisfied with the service received.

It should be noted that there are not a lot of reviews about Horace Mann. However, a lack of positive reviews is often a good indicator, as satisfied customers tend to write fewer reviews than dissatisfied ones.

Is Horace Mann Good Insurance?

If you are a teacher or school employee, it is worth considering the products offered by Horace Mann. This company was founded and developed on the premise that educators deserve to be cared for properly, just as they care for our children. In this way, the company directs its efforts to cover the particular needs of educators.

Horace Mann is one of the nation’s largest insurance companies for educators and is reputed to have fairly strong financial stability. The coverage offered is not overly extensive, but due to the specific coverage for educators and the discounted rates offered, it is an excellent option for this broad sector.

Horace Mann’s standard insurance products can be considered a bit limited, but they aim to cover the insurance needs of the vast majority of its clients. Customers in the education sector take advantage of additional benefits and specific coverage plans for educators.

The company has very good ratings from the Better Business Bureau (BBB) and AM Best, demonstrating its financial strength and adequate customer service. That’s why millions of customers trust Horace Mann, renewing their policies year after year with the company.

Horace Mann Pros and Cons Summary

If you want to compare Horace Mann’s insurance rates to other auto insurance providers, enter your ZIP code below and request a quote.