---
title: "Horace Mann Insurance Review [Updated 2026]"
description: "Founded in 1945, Horace Mann focuses exclusively on insurance for teachers and school staff. Strong financial ratings meet mixed customer feedback."
canonical: "https://www.coveragecat.com/reviews/horace-mann-insurance-review"
last-updated: "2026-08-13"
---

# Horace Mann Insurance Review [Updated 2026]

<a id="introduction"></a>

Horace Mann Insurance targets a specific market: educators. The company sells [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance), [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance), and life insurance products to K-12 teachers, administrators, and school support staff [(Wikipedia, "Horace Mann Educators Corporation", 2025)](https://en.wikipedia.org/wiki/Horace_Mann_Educators_Corporation). Founded in Springfield, Illinois in 1945 by teachers Leslie Nimmo and Carrol Hall, the company operated initially as the Illinois Education Association (IEA) Mutual Insurance Company before adopting the Horace Mann name [Ibid.](https://en.wikipedia.org/wiki/Horace_Mann_Educators_Corporation).

The insurer maintains strong financial ratings, with AM Best affirming an "A" (Excellent) Financial Strength Rating [(AM Best, "AM Best Affirms Credit Ratings of Horace Mann Educators", 2025)](https://news.ambest.com/newscontent.aspx?refnum=269111&altsrc=23). Fitch, S&P, and Moody's also assign "A" ratings to the company [(Software Finder, "Horace Mann Educators Corporation: Reviews, Pricing & Free Demo", 2025)](https://softwarefinder.com/insurance/horacemann). The company trades on the New York Stock Exchange under the ticker HMN since its November 1991 initial public offering [(Wikipedia, "Horace Mann Educators Corporation", 2025)](https://en.wikipedia.org/wiki/Horace_Mann_Educators_Corporation).

Customer feedback presents a different picture. While Trustpilot shows a 4.6 out of 5 rating [(Trustpilot, "Horace Mann Reviews | Read Customer Service Reviews", 2026)](https://www.trustpilot.com/review/www.horacemann.com), Yelp averages just 2.2 out of 5 stars from 54 reviews [(Yelp, "Horace Mann Insurance Reviews", 2026)](https://www.yelp.com/brands/horace-mann-insurance). The company also carries a NAIC complaint index of 1.96 for private passenger auto insurance, which means it receives about twice as many complaints as expected for a company its size [(NAIC, "Consumer Insurance Search Results", 2025)](https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=22578&:refresh). Common complaint themes include slow claims handling and payment delays.

<a id="products"></a>

## What Kinds of Insurance Does Horace Mann Offer?

Horace Mann sells three main categories: property and casualty insurance, life insurance, and retirement products [(Wikipedia, "Horace Mann Educators Corporation", 2025)](https://en.wikipedia.org/wiki/Horace_Mann_Educators_Corporation). The property and casualty line includes auto, homeowners, renters, and [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance).

The company has offered tax-deferred annuities since the 1960s and provides 403(b) plan administrative services for school districts [(Wikipedia, "Horace Mann Educators Corporation", 2025)](https://en.wikipedia.org/wiki/Horace_Mann_Educators_Corporation). Beyond insurance, Horace Mann now offers student loan solutions to help educators qualify for loan forgiveness programs [(Software Finder, "Horace Mann Educators Corporation: Reviews, Pricing & Free Demo", 2025)](https://softwarefinder.com/insurance/horacemann).

| Insurance Type | Available Coverage |
|---------------|-------------------|
| Auto | Liability, collision, comprehensive, uninsured motorist |
| Homeowners | Dwelling, personal property, liability, additional living expenses |
| Renters | Personal property, liability |
| Umbrella | Excess liability above auto and home policies |
| Life | Term, whole life, universal life |

<a id="homeowners"></a>

## Does Horace Mann Sell Homeowners Insurance?

Yes, Horace Mann sells [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) with coverage for your dwelling and attached structures like garages, porches, and decks [(Horace Mann, "Homeowners Insurance for Teachers & Educators", 2026)](https://www.horacemann.com/insurance/homeowners-insurance). The policy includes additional living expenses if you need temporary housing after a covered loss [Ibid.](https://www.horacemann.com/insurance/homeowners-insurance).

Standard policies exclude flood, tidal wave, sewer backup, and seepage damage [Ibid.](https://www.horacemann.com/insurance/homeowners-insurance). You can add scheduled personal property coverage for jewelry, antiques, artwork, collectibles, firearms, and golf clubs [(Horace Mann, "Additional Coverages", 2026)](https://www.horacemann.com/insurance/additional-coverages).

The company partners with SimpliSafe to offer home security systems at up to 64% savings, with 24-hour whole-home protection [Ibid.](https://www.horacemann.com/insurance/additional-coverages). Horace Mann also provides identity fraud advocacy services at no charge to customers [Ibid.](https://www.horacemann.com/insurance/additional-coverages). Horace Mann offers optional underground service line protection as part of its additional coverages [(Horace Mann, "Additional Coverages", 2024)](https://www.horacemann.com/insurance/additional-coverages).

A multi-line discount applies when you bundle home and auto policies [(Horace Mann, "Homeowners Insurance for Teachers & Educators", 2026)](https://www.horacemann.com/insurance/homeowners-insurance).

<a id="auto"></a>

## Does Horace Mann Sell Auto Insurance?

Horace Mann's [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance) includes standard liability, collision, and comprehensive coverage.

The Educator Advantage package adds specific benefits for teachers. You get no deductible for vandalism that occurs on school property, liability coverage when you transport students, and up to $1,000 in personal property coverage for work items [(U.S. News, "Horace Mann Car Insurance Review for 2026", 2025)](https://www.usnews.com/insurance/auto/horace-mann-car-insurance-review). 

Horace Mann accepts claims 24/7 at 800-999-1030 or through their online portal [(U.S. News, "Horace Mann Car Insurance Review for 2026", 2025)](https://www.usnews.com/insurance/auto/horace-mann-car-insurance-review). Customer service operates Monday through Friday from 7am to 8pm Central Time [Ibid.](https://www.usnews.com/insurance/auto/horace-mann-car-insurance-review).

<a id="umbrella"></a>

## Does Horace Mann Sell Umbrella Insurance?

Horace Mann offers [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) that provides excess liability coverage beyond auto and homeowners policies. The company operates through captive local agents rather than online-only channels, which means you work with the same agent for all your policies [(Horace Mann, "Find an Agent", 2026)](https://www.horacemann.com/find-an-agent).

<a id="how-it-works"></a>

## How Does Horace Mann Work?

Horace Mann uses a captive agent model with about 315 locations across the United States [(Horace Mann, "Agent Locator", 2026)](https://www.horacemann.com/agents). You cannot get a fully digital quote online; the company requires you to work with a local agent to purchase coverage [(Horace Mann, "Get a Quote", 2026)](https://www.horacemann.com/get-a-quote).

The process starts when you contact a Horace Mann agent in your area. The agent reviews your insurance needs and provides quotes for auto, home, life, or other products. If you decide to buy, the agent processes your application and sets up payment.

You can bundle multiple policies to qualify for discounts [(U.S. News, "Horace Mann Car Insurance Review for 2026", 2025)](https://www.usnews.com/insurance/auto/horace-mann-car-insurance-review). The company's mobile app receives low ratings on both the [Apple App Store](https://apps.apple.com/us/app/horace-mann-mobile/id485827304) and [Google Play](https://play.google.com/store/apps/details?id=horacemann.android&hl=en_US), with users citing limited functionality and trouble accessing their accounts.

<a id="pricing"></a>

## How Much Does Horace Mann Cost?

Horace Mann does not publish standard rate tables online. Prices depend on your location, coverage amounts, deductibles, and individual risk factors. The company emphasizes educator-specific discounts through its Educator Advantage package, but specific dollar amounts vary by state and personal circumstances.

In the third quarter of 2025, Horace Mann reported revenue of $434.80 million with a net margin of 9.53% [(Daily Political, "Earnest Partners LLC Cuts Position in Horace Mann Educators Corporation", 2026)](https://www.dailypolitical.com/2026/03/16/earnest-partners-llc-cuts-position-in-horace-mann-educators-corporation-hmn.html). The company increased its quarterly dividend from $0.35 to $0.36 per share, bringing the annualized dividend to $1.44 with a 3.4% yield [Ibid.](https://www.dailypolitical.com/2026/03/16/earnest-partners-llc-cuts-position-in-horace-mann-educators-corporation-hmn.html).

Some Trustpilot reviews mention significant savings. Customers report switching from other carriers and reducing their insurance costs, though the exact amounts vary widely [(Trustpilot, "Horace Mann Reviews | Read Customer Service Reviews", 2026)](https://www.trustpilot.com/review/www.horacemann.com).

<a id="pros-cons"></a>

## Horace Mann Insurance Pros and Cons

<div class="grid">
  <div class="column">
    <h3>Pros</h3>
    <ul>
      <li>Strong financial strength ratings from AM Best, S&P, Fitch, and Moody's</li>
      <li>Educator Advantage package with deductible waivers and school-specific coverage</li>
      <li>SimpliSafe home security partnership with up to 64% savings</li>
      <li>Free identity fraud advocacy services</li>
      <li>Multi-line bundling discounts</li>
      <li>Local agent support in 315 locations</li>
    </ul>
  </div>
  <div class="column">
    <h3>Cons</h3>
    <ul>
      <li>No fully digital quote process available</li>
      <li>20% more complaints than similar-sized insurers</li>
      <li>Claims delays with some policyholders waiting over 60 days</li>
      <li>Limited auto insurance add-ons compared to competitors</li>
      <li>Poor mobile app ratings (2/5 Apple, 3.4/5 Google Play)</li>
      <li>Mixed customer service reviews across platforms</li>
    </ul>
  </div>
</div>

<a id="ratings"></a>

## Ratings and Customer Feedback

Horace Mann's financial strength contrasts with its customer satisfaction scores. The company earns top ratings from major financial rating agencies but struggles with service complaints.

| Rating Source | Score | Notes |
|--------------|-------|-------|
| AM Best | A (Excellent) | Financial Strength Rating affirmed September 2025 |
| S&P | A | Financial strength |
| Fitch | A | Financial strength |
| Moody's | A2 | Financial strength |
| Trustpilot | 4.6/5 | 115 customer reviews |
| Yelp | 2.2/5 | 54 reviews, 315 locations |
| Apple App Store | 2/5 | Mobile app rating |
| Google Play | 3.4/5 | Mobile app rating |
| BBB | Not Accredited | Dozens of complaints filed |

AM Best affirmed Horace Mann's "A" (Excellent) rating and "a" (Excellent) Long-Term Issuer Credit Ratings in September 2025 [(AM Best, "AM Best Affirms Credit Ratings of Horace Mann Educators", 2025)](https://news.ambest.com/newscontent.aspx?refnum=269111&altsrc=23). S&P, Fitch, and Moody's also assign "A" ratings [(Software Finder, "Horace Mann Educators Corporation: Reviews, Pricing & Free Demo", 2025)](https://softwarefinder.com/insurance/horacemann).

The Better Business Bureau maintains a profile for Horace Mann at 1 Horace Mann Plaza in Springfield, Illinois, but the company is not BBB-accredited [(Better Business Bureau, "Horace Mann Companies | BBB Reviews", 2026)](https://www.bbb.org/us/il/springfield/profile/insurance-companies/horace-mann-companies-0724-4000450/customer-reviews). Dozens of complaints appear through the BBB system [Ibid.](https://www.bbb.org/us/il/springfield/profile/insurance-companies/horace-mann-companies-0724-4000450/customer-reviews).

NAIC complaint data shows Horace Mann receives more complaints than expected for a company its size [(NAIC, "Consumer Insurance Search", 2026)](https://content.naic.org/cis_agg_reason.htm). Common complaint reasons include delays, denials, and unsatisfactory settlements [(NAIC, "How to File a Complaint and Research Complaints Against Insurance Carriers", 2022)](https://content.naic.org/article/how-file-complaint-and-research-complaints-against-insurance-carriers).

<a id="customer-reviews"></a>

## Real Customer Reviews

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Yelp Reviewer, July 2025</b></p>
    <p><a href="https://www.yelp.com/biz/horace-mann-insurance-company-san-diego"><span class="text-muted">via Yelp</span></a></p>
  </div>
  <div class="column">
    <p>If I could give zero stars, I would. I was in an accident earlier this month, and Horace Mann has been terrible to work with.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>Trustpilot Reviewer, 2026</b></p>
    <p><a href="https://www.trustpilot.com/review/www.horacemann.com"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>My agent was incredibly helpful and knowledgeable. I saved a significant amount compared to my previous insurer, and the personalized service made all the difference.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>2 ★</p>
    <p><b>BBB Complaint, 2026</b></p>
    <p><a href="https://www.bbb.org/us/il/springfield/profile/insurance-companies/horace-mann-companies-0724-4000450/customer-reviews"><span class="text-muted">via Better Business Bureau</span></a></p>
  </div>
  <div class="column">
    <p>Unauthorized account withdrawals and difficulty reaching my agent. Premium increased without proper notification. Filing a claim took weeks with no clear timeline.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>Trustpilot Reviewer, 2026</b></p>
    <p><a href="https://www.trustpilot.com/review/www.horacemann.com"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>The Educator Advantage package saved me money and gave me peace of mind with the school-specific coverage. My local agent responds quickly to all my questions.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>3 ★</p>
    <p><b>Yelp Reviewer, 2026</b></p>
    <p><a href="https://www.yelp.com/brands/horace-mann-insurance"><span class="text-muted">via Yelp</span></a></p>
  </div>
  <div class="column">
    <p>Coverage is decent for the price, but the lack of digital tools is frustrating. I have to call my agent for everything, which takes time during the school day.</p>
  </div>
</div>

<a id="support"></a>

## Get Customer Support or File a Claim

Horace Mann maintains a headquarters at 1 Horace Mann Plaza in Springfield, Illinois [(Better Business Bureau, "Horace Mann Companies | BBB Reviews", 2026)](https://www.bbb.org/us/il/springfield/profile/insurance-companies/horace-mann-companies-0724-4000450/customer-reviews). Customer service operates Monday through Friday from 7am to 8pm Central Time [(U.S. News, "Horace Mann Car Insurance Review for 2026", 2025)](https://www.usnews.com/insurance/auto/horace-mann-car-insurance-review).

You can file claims 24 hours a day at 800-999-1030 or through the online portal [Ibid.](https://www.usnews.com/insurance/auto/horace-mann-car-insurance-review). The company operates 315 locations across the United States with local agents available for in-person support [(Yelp, "Horace Mann Insurance Reviews", 2026)](https://www.yelp.com/brands/horace-mann-insurance).

BBB complaints and reviews show recurring issues with claims handling and billing disputes [(BBB, "Horace Mann Companies | BBB Complaints", 2026)](https://www.bbb.org/us/il/springfield/profile/insurance-companies/horace-mann-companies-0724-4000450/complaints).

In February 2026, a new insurance case was filed against Horace Mann Property & Casualty Insurance Company in Minnesota District Court [(Justia, "Shoquist v. Horace Mann Property & Casualty Insurance Company", 2026)](https://dockets.justia.com/docket/minnesota/mndce/0:2026cv01613/232151), though details of the complaint are not yet public.

<a id="faq"></a>

## Frequently Asked Questions

**Who owns Horace Mann Insurance?**

Horace Mann Educators Corporation is a publicly traded company on the New York Stock Exchange under ticker HMN [(Wikipedia, "Horace Mann Educators Corporation", 2025)](https://en.wikipedia.org/wiki/Horace_Mann_Educators_Corporation). Vanguard Group holds 5,007,719 shares worth $226.2 million as of 2026 [(Daily Political, "Earnest Partners LLC Cuts Position in Horace Mann Educators Corporation", 2026)](https://www.dailypolitical.com/2026/03/16/earnest-partners-llc-cuts-position-in-horace-mann-educators-corporation-hmn.html).

**Does Horace Mann only insure teachers?**

Horace Mann specializes in coverage for educators but does not restrict policies to teachers only. The company serves K-12 teachers, administrators, and school support staff [(Wikipedia, "Horace Mann Educators Corporation", 2025)](https://en.wikipedia.org/wiki/Horace_Mann_Educators_Corporation).

**What is Educator Advantage?**

Educator Advantage is Horace Mann's package of benefits designed for teachers. Auto coverage includes no deductible for vandalism on school property, liability when transporting students, and up to $1,000 in personal property coverage for work items [(U.S. News, "Horace Mann Car Insurance Review for 2026", 2025)](https://www.usnews.com/insurance/auto/horace-mann-car-insurance-review). 

**Can I get a quote online?**

**How financially stable is Horace Mann?**

AM Best rates Horace Mann "A" (Excellent) for financial strength [(AM Best, "AM Best Affirms Credit Ratings of Horace Mann Educators", 2025)](https://news.ambest.com/newscontent.aspx?refnum=269111&altsrc=23). S&P, Fitch, and Moody's also assign "A" ratings [(Software Finder, "Horace Mann Educators Corporation: Reviews, Pricing & Free Demo", 2025)](https://softwarefinder.com/insurance/horacemann). The company reported a 13.92% return on equity and 9.53% net margin in Q3 2025 [(Daily Political, "Earnest Partners LLC Cuts Position in Horace Mann Educators Corporation", 2026)](https://www.dailypolitical.com/2026/03/16/earnest-partners-llc-cuts-position-in-horace-mann-educators-corporation-hmn.html).

**What states does Horace Mann operate in?**

Horace Mann sells insurance in 45 states plus Washington D.C. [(SuperMoney, "Horace Mann Auto Insurance Reviews", 2026)](https://www.supermoney.com/reviews/auto-insurance/horace-mann-auto-insurance). The company maintains 315 locations across the United States [(Yelp, "Horace Mann Insurance Reviews", 2026)](https://www.yelp.com/brands/horace-mann-insurance).

**Does Horace Mann offer renters insurance?**

Yes, Horace Mann offers [renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance) with coverage for personal property and liability [(Wikipedia, "Horace Mann Educators Corporation", 2025)](https://en.wikipedia.org/wiki/Horace_Mann_Educators_Corporation).

**How long does it take to process a claim?**

Claim processing times vary. The company accepts claims 24/7 through phone or online portal [(U.S. News, "Horace Mann Car Insurance Review for 2026", 2025)](https://www.usnews.com/insurance/auto/horace-mann-car-insurance-review).