Horace Mann

101 Reviews

Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, they have broadened their mission to helping all educators protect what they have today and prepare for a successful tomorrow. Horace Mann offers auto, homeowners and life insurance, retirement annuities,... show more

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Horace Mann Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 02/03/2023.

2.8

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WalletHub
February 3, 2023 • @WalletHub

editor's review

Horace Mann Insurance Review

Horace Mann Insurance is an average car insurance company, given the combination of its mediocre customer service and high availability (every state except New Jersey and Hawaii). Horace Mann’s NAIC rating is 1.22, which means Horace Mann has received more complaints than the average car insurance provider, adjusted for size.

Horace Mann Insurance has a variety of discounts and programs directed towards teachers and educators.

Horace Mann Insurance Ratings

Reviews on WalletHub: 2.8/5
NAIC: 1.22
BBB: A+
Moody's: A2
AM Best: A
Standard & Poor’s: A

Horace Mann Insurance has not been accredited by the Better Business Bureau.

Horace Mann Auto Insurance Review Highlights

Top Discounts – multi-car discount, multi-policy discount, and new customer discount.

Basic Coverage Options – Bodily injury liability, property damage liability, personal injury protection, medical payments, comprehensive, collision, and uninsured/underinsured motorist.

Extra Coverage Options – rental reimbursement and emergency roadside assistance.

Horace Mann Home Insurance Review Highlights

Horace Mann Insurance offers basic homeowners insurance policies, as well as coverage for renters.

A homeowners insurance policy from Horace Mann Insurance protects your home and personal belongings from damage caused by a variety of covered risks. Horace Mann Insurance homeowners policies provide additional coverage for personal property, replacement costs, and additional living expenses. Their policies also cover medical bills and legal fees in case a guest gets hurt or their property is damaged at your home.

Horace Mann Insurance offers renters insurance, which covers medical payments, personal liability, basic property coverage and additional living expenses.

Overall, Horace Mann Insurance has reliable property insurance options for a variety of situations.

Bottom Line: Is Horace Mann Insurance a Good Company?

Horace Mann Insurance is an average insurance company, given its average number of customer complaints and high availability. Horace Mann Insurance’s most notable insurance options include auto, home, and life policies.

Product: Horace Mann Car Insurance

Comment

bbrad622
November 1, 2022 • @bbrad622

Worst insurance company I've ever encountered. Terrible customer service, dishonest adjustors, and management that doesn't care about fiduciary responsibilities: the company only cares about the bottom and refuses to back the interest of its clients. Four months after a clear no-fault accident, HM refused to alter the adjustor investigation to reflect the facts. Stay clear of these crooks!

Product: Horace Mann Car Insurance

Comment

Klopez2498
December 2, 2022 • @Klopez2498

I agree. Having the same issue

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alexandramfoster
September 27, 2022 • @alexandramfoster

Absolutely the most difficult company I have EVER had to deal with. I had spent countless hours trying to resolve a situation and ended up surrendering my policy- 3 months ago… I continue to be charged, have spoken to the company on a weekly basis to resolve this- and still each month I’ve been charged (I do have a signed and dated file surrender document from THIS company which I’ve been asked to send to them several times). Each representative is completely unaware of what the last one said or did and I continue to be told things are being done to move this forward when they clearly are not. This has been the worst experience and such a waste of my time. I cannot believe their customer service and will be sure to spread the word with my colleagues who are visited constantly by reps for this company so that they know exactly what type of service is provided. I should have read online reviews before signing up and will be sure to encourage others to do that to avoid the hassle and deception that I’ve endured.

Product: Horace Mann Life Insurance

Comment

Widamans
September 14, 2022 • @Widamans

Been a Horace member for 17 years and had to make a claim after my vehicle was vandalized. A month later and still no resolution. Absolutely worst company for any communication and follow through.Wii have to pay $2000 out of pocket and a $1000 deductible since the insurance company will not pay for the mechanics quote. Biggest debacle ever. No vehicle for a month and still not seen check cut for damage. Cheap rates, worse customer service.

Product: Horace Mann Car Insurance

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ANDREA RATHBONE
May 20, 2022 • @andier_1999

My neighbor, who is insured by Horace Mann, backed into my truck causing damage to the front quarter panel, headlight and hood on April 2, 2022. He admitted liability, contacted his agent, and gave me a claim number. The adjustor, Anita Ho, is the rudest person I have ever had to deal with. I was sent a link to download an app to take pictures of the damage to my vehicle. The app did not work. She then instructed me to email her pictures of my vehicle, plus the Vin # and the odometer reading, which I did. After a week, I called her for status, and she said she had never received the email. I then sent her another email on May 9 with the photos. On May 20, I called for status and was told she "forgot" to send the pictures to their "damage assessment" people. I am now making formal complaints about this company, everywhere I can, because they obviously are either incompetent, dishonest or both.

Product: Horace Mann Car Insurance

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Lesliee Antonette
February 26, 2022 • @Lesliee6179

Horace Mann "discontinued" my home owner's insurance with 2 weeks notice. I am a retired, disabled educator on a very fixed income. DO NOT TRUST this company. If I could no stars I would.

Product: Horace Mann Home Insurance

Comment

John Lane
October 23, 2021 • @traveler_1

Run away as fast as you can! Liars and thieves. A crooked adjuster was caught in a lie. The internal complaint department colluded with her. After my vehicle was appraised for damages, LM, the adjuster, stated via email, "We observed white scuffing on the left rear of your truck which is consistent with the damage to the other vehicle which has damage on the left rear". She did not know that I spoken to the appraiser and communicated via text with the appraiser prior to her making that statement. The appraiser informed me that he found no indication my vehicle was involved in an accident. I asked LM multiple times on separate occasions for the evidence she is relying on to support her statement. She has yet to provide that. Ms. M's prejudgment of the claim would lead any reasonable person to believe that there is bias, therefore I believe that her demand for a recorded statement is to elicit a response in an attempt to find fault on my behalf. Each time I ask for evidence, I am ignored or reluctantly provided with partial documents. I filed a complaint with Horace Mann's internal complaint department, but I have not been provided with the evidence LM is using to make her judgement. I did finally receive the appraiser's report which clearly states, "NO DAMAGES FOUND". I paid these thieves to screw me over?!? Needless to say, I cancelled my policies with Horace Mann.

Product: Horace Mann Car Insurance

Comment

ricky_walters_ebis
September 3, 2021 • @ricky_walters_ebis

Best company ever. I have had Horace Mann Insurance for 25 years. They don't charge a deductible if you have an accident on school property or while on school business. They cover me if I transport students in my car. And I get $200 per year for just using their app on my phone.

Product: Horace Mann Car Insurance

Comment

mannjer
June 25, 2021 • @mannjer

Horace Mann changed our policy after almost 30 years of exclusive partnership as our property insurance provider. The change occurred years prior to our claim resulting in the addition of several thousand dollars of non-recoverable depreciation on our roof for a siding and roof claim due to hail damage. The adjuster took almost two months to return results from the inspection and we had to show him the damage. The claim was not processed in a timely manner and our home stood for over 9 months without being repaired. Horace Mann does not answer phones and customer service is non-responsive, dysfunctional and borderline negligent. Horace Mann will not take accountability for the change they made to our policy and is satisfied with losing our policy with them over it. Horace Mann does not answer phones or return messages. Communication is a mess and there is no accountability. This company is a shining example of the Deny, Delay and Defend policy with customers so many bad insurance companies are becoming known for.

Product: Horace Mann Home Insurance

Comment

jjohnson510
June 7, 2021 • @jjohnson510

Just an absolutely awful company to deal with. Horacemann gave their own estimate of what the dealership should pay then refused to pay the difference when the dealership came back with the final total. It ultimately cost us an extra $2000 and am being treated terribly by the agent stating that its my fault for the discrepancy and they are refusing to help since they immediately closed the claim. I have NEVER experienced anything like this from any reputable company and would highly suggest to anyone reading this to either find a new company immediately or keep looking. My parents switched about a year ago after they experienced a similar situation and couldn't be happier with their choice. This company will deceive you, do everything they can to not pay what they should, and will try and blame you for their mistakes even after they admit fault.

Product: Horace Mann Car Insurance

Comment

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Horace Mann Offers

Car Insurance

Health Insurance

Home Insurance

Life Insurance

Renters Insurance

Umbrella Insurance

Horace Mann Q&A(2 questions)

Do you offer 403b's?

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WalletHub

Yes, according to the company's website, Horace Mann offers 403(b)'s. You can find details here: https://www.horacemann.com/financial-services/annuities/403b

Does insurance cover rain damage to woodfrane

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Horace Mann Contact

What type of help do you need?

Visit Website

800-999-1030

opens Monday: 1pm

Corporate Headquarters

1 Horace Mann Plaza

Springfield, IL 62715

Local Horace Mann agents:

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