Horace Mann Insurance Company Review

Horace Mann Insurance Company at a Glance

Horace Mann pros: Long-standing company with more than 75 years worth of experience in the insurance industry. Provides a full range of life insurance, home, auto, and liability, as well as other coverage types. Offers great rates on their insurance products. Offers policyholders numerous options for accessing their insurance coverage.

Horace Mann cons: Concerning number of customer service complaints by policyholders across multiple review websites. Not BBB accredited. More than 15 customer complaints filed against the insurance company through the BBB over the past three years.

What Type of Insurance Does Horace Mann Offer?

Horace Mann is a specialty insurance company and provides a variety of insurance products to educators. It caters to individuals and offers several types of coverage, including the following.

For individuals, Horace Mann offers a variety of coverage options. Whether you are in the market for life insurance, health insurance, home insurance, renters insurance, liability insurance, supplemental insurance, or a combination thereof, Horace Mann might be the best choice for you.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What to Know about Horace Mann

Horace Mann was founded in 1945, making it a proven insurance carrier with more than 45 years worth of experience in offering quality insurance policies and service to individuals. Today, Horace Mann is one of the largest educator insurance companies in the world.

Horace Mann’s proven history has helped it to earn a reputation as a particularly stable company. Additionally, AM Best reports that the insurance company belongs to the $250 million to $500 million financial size category.

Horace Mann’s long-standing status and amount of current insurance products for educators, the insurance company’s reputation as a financially stable insurance provider with a strong outlook for the future. AM Best is the leading global credit rating agency that monitors the insurance industry, gives Horace Mann an “A” rating, indicating the insurance company is an excellent choice for insurance customers. The “A” rating assures would-be customers that Horace Mann can offer secured coverage from a reliable and trustworthy insurance company.

What Discounts Does Horace Mann Offer?

Horace Mann offers many competitive discount programs for their customers, most notably for auto and property insurance. These discounts include the following.

• Auto insurance discounts
  • Educator discount
  • Multiline discount
  • Multicar discount
  • Association member discount
  • Payroll discount
  • New customer discount
  • HMDrive®
  • Driver safety discounts
  • Car safety discounts
  • Good student drivers discount
• Property insurance discounts
  • Multiline discount
  • Construction year discount
  • Claims/persistency discount
  • Home buyer loyalty discount
  • Educator advantage discount
  • Protective device discount
• Life insurance
  • Discounted rates for educators
• Multiline discounts
  • Multiple lines of business discount
  • Multipolicy discount

Independent insurance agent can help you find better discounts available from Horace Mann, assisting you to get the most for your money.

Horace Mann Customer Service

Horace Mann allows customers to handle claims over the phone or through their website via a self-service portal, 24/7. There are many customer service options available through the official website as well, including payment options and policy information.

Horace Mann sells insurance through a vast network of independent insurance agents. Independent insurance agents are also there to handle claims and other insurance concerns for you, making customer service effortless.

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Horace Mann FAQ

What is Horace Mann's average claim response time frame?

Horace Mann’s claims reporting hotline is available for customers via a toll-free phone number. Customers can also submit claims by an online form through the website or via mail. However, the insurance company does not make an official claims response time frame promise on their website.

What is Horace Mann's customer service availability?

Horace Mann offers a toll-free phone line for prospective and current customers to get in touch with them at slightly restricted hours, Monday through Friday, 7am – 8pm. However, the insurance company’s claims reporting department can be reached 24/7.

What is Horace Mann's claims process?

Though customers can report claims via phone, Horace Mann encourages claims reporting through an online form located on their website. The following information is available through the official website on claims processing.

“Once you submit an auto or homeowner claim, your claim is forwarded to one of our regional claims offices, and a representative from the claims office handling your claim will contact you.

Auto glass claims are handled by our Fast Glass unit in the home office. You may use a network repair shop or the glass repair company of your choice. If the repair work has already been completed, please send the bill to:

The Horace Mann Companies

P.O. Box 19223

Springfield, IL 62794-9223

If you need help locating a glass repair shop near you, or if you have additional questions, please call Horace Mann Fast Glass at 1-888-321-9391. The Horace Mann Fast Glass program is administered by a third-party contractor on behalf of The Horace Mann Companies.”

Additional information about what documentation is required for each type of insurance is listed on the insurance company’s website. Horace Mann customers can also check the status of their existing claims online, at any time.

Does Horace Mann have good personal insurance?

The reviews are mixed about Horace Mann’s ability to provide good personal insurance. However, according to the BBB and AM Best, Horace Mann is a financially strong company with many educator insurance options.

Is Horace Mann a good company?

According to many customer service reviews across many platforms, Horace Mann is not a very good insurance company for educators. They have communication issues with clients and mechanics, as well as issues with getting paid for services.

Does Horace Mann's website create a user-friendly experience for customers?

Customers can file claims, check claim’s status, pay bills, and learn what types of coverage are available through their official website. As far as social media is concerned, the insurance company does have a presence on both Facebook, LinkedIn, YouTube, Instagram, and Twitter to make itself more available to customers.

TrustedChoice.com's Final Review

We award Horace Mann a final rating of 3.4 out of 5 stars. The insurance company’s established status, as well as being one of the largest educators insurance companies in the nation, clearly shows Horace Mann’s reputability and resilience. Horace Mann has a notably strong financial stability and offers reputable coverage to customers across the nation. However, a concerning number of customer complaints about the insurance company’s claim responses confirms that Horace Mann still has plenty of room to grow. The number of complaints filed against the insurance company through many social media sites within recent years also prevents them from being one of our top picks. It is clear that millions of customers currently trust Horace Mann to take care of their insurance needs, and that is undoubtedly worth taking into consideration.