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Educators who are looking for insurance have plenty of options. Horace Mann Insurance company is one that they may not be familiar with, but it is certainly one they should consider. If you’re looking for affordable insurance and considering getting a policy through Horace Mann, read through the following comprehensive review to help you gather all the information you need to make the best decision for your situation.
Horace Mann’s History
Founded by two Illinois teachers in 1945, Horace Mann Insurance Company began fulfilling what they saw as a specific need. They wanted to offer educators specialized yet affordable insurance.
The company was named in honor of the “Father of the Common School,” Horace Mann, who is considered to be one of America’s leading education reformers.
Over the years, Horace Mann has expanded to offer all school employees an array of insurance products. Today, the company proudly provides educators with cheap insurance with low deposits while also offering additional services geared toward their particular needs. This includes financial planning services, as well as assistance with student loans and classroom financing. Horace Mann can easily compete with the country’s top insurance companies.
An Overview of Horace Mann Insurance Company
For over half a century, Horace Mann Insurance company provided high-quality insurance services and policies. Though its headquarters are in Springfield, Illinois, Horace Mann does have agents and offices throughout the United States.
Horace Mann remains committed to serving educators and boasts millions of educators as their customers, who appreciate their educator-focused coverage. In addition to offering discounted rates to educators, the company also sells auto insurance to individuals, not in the education field.
Horace Mann has more than just car insurance available. They have an array of products to choose from, including health and life insurance, along with retirement plans.
Educators do receive added coverage at no added cost. This includes comprehensive coverage claims with smaller deductibles, as well as injury and liability coverage if they transport students in the covered car.
Horace Mann is financially stable, as evidenced by its A rating from AM Best. Unfortunately, this isn’t quite as high as some of the larger insurance companies, such as Geico and State Farm, that have received A++ ratings.
Many of the insurance agents at Horace Mann are former educators who truly understand their customer’s needs. They work diligently to ensure customers receive cheap car insurance, including discounts and special rates for educators. This ensures customers receive outstanding personalized service, as well as unrivaled coverage at great rates.
Horace Mann Insurance Products
Horace Mann prides itself on providing educators with plenty of specialized insurance products to choose from. This includes:
In addition to insurance products, Horace Mann has other financial products available, including:
- Investments, including annuities and management services
- Retirement and savings accounts, including employer-sponsored and individual accounts
- Life insurance, including Whole life, Term life, Variable Universal life, Cash value term life, and Indexed Universal life
Finally, Horace Mann hosts financial awareness workshops, offering sound advice on a variety of topics, such as student loan forgiveness and retirement planning.
Horace Mann Auto Insurance
Horace Mann offers all standard coverages, including:
- Comprehensive coverage
- Liability coverage
- Underinsured/ Uninsured motorist coverage
- Collision coverage
Horace Mann doesn’t provide personal injury protection (PIP) or medical payments (MedPay). However, they do offer several non-standard coverage options, such as:
- Roadside assistance
- Rental reimbursement
All Horace Mann policies sold to educators include the Educator Advantage package. This package offers spectacular benefits, including:
- Waived or lowered deductibles if vandalism occurs on school property or at an event sponsored by the school
- Vehicle liability coverage when carrying students in the vehicle
- New car replacement
- Pet coverage up to $1,000
- Base policies that may include enhanced roadside assistance
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Auto Insurance Discounts
Car owners can take advantage of discounts in every state. Discounts may include:
- New customer
- Driver safety
- Car safety
- Discounts for certain association members
- Good student
To learn what discounts you may qualify for, contact a Horace Mann agent today.
Auto Insurance Rates
Because Horace Mann targets a niche market, Horace Mann only provides quotes through an agent. This means that you cannot get a quote online. Instead, you can use the agent locator on their website to find the agent nearest you.
Horace Mann’s rates have proven to be highly competitive in the insurance field, even for customers who are not working in education.
Horace Mann makes it easy for customers to reach them. All types of information, including policy details and payment options, can be found on the company website.
Customers have the option of filing claims over the phone or through the online self-service portal. They should be aware that the customer service center is only open Monday through Friday from 7 am to 8 pm. Horace Mann can also be contacted by mail.
Filing a Claim
Policyholders can file claims by calling 800-999-1030. The claims department is available 24/7, making it easy to file a claim anytime.
Claims can also be filed using the online claim service on the company website. After logging in, you will be taken through a checklist to ensure your claim is filed properly.
Customers can also download the Horace Mann app, which makes filing a claim even more simple.
Getting an Auto Insurance Quote
As mentioned above, Horace Mann does not provide online quotes. To get a quote, visit the website and use the detailed quoting tool. This will generate a phone call from an agent local to you, who will go over your coverage options with you.
To obtain your quote, you will need to enter your school district and zip code, along with some information about the driver(s) and the vehicle(s).
Horace Mann Mobile App
Horace Mann has created an easy-to-navigate app that is free and available for download on Android and iPhone. Features included on the app include:
- Coverage check, as well as any discounts included
- Easy access to the policy details and the insurance verification card
- Payment scheduling
- Quick claims reporting
- Access to your Horace Mann agent
Ratings and Reviews
As discussed above, Horace Mann has achieved an A rating from AM Best. This shows that the company is financially sound, has a positive outlook for the future, and is considered highly reliable.
Horace Mann has received an A+ rating from the BBB (Better Business Bureau). This is indicative of outstanding customer service. In the last three years, Horace Mann has had eleven negative customer reviews and 19 complaints. Most are related to customers being unhappy with the customer service they received or billing issues. However, this number of negative reviews and complaints is on par with the nation’s big-name insurance companies.
Final Thoughts on Horace Mann Insurance Company
Horace Mann is certainly worth considering if you are an educator or school employee. After all, the company directs most of its attention to meeting the needs of those in the education field.
Horace Mann is one of the nation’s largest educator insurance companies. It has developed a reputation for financial stability, affordable insurance, and offering the products and services that anyone in education needs.
Keep in mind that Horace Mann Insurance products are more limited, especially compared to big-name insurance companies, but the products they offer fit most of their customers’ needs. When you consider they offer those in the education sector greater discounts and additional benefits, it’s easy to see why Horace Mann is a favorite of those in this industry.
Over the years, millions of customers have opted to get their insurance through Horace Mann, indicating that this is definitely an insurance company worth considering.