Property Insurance

Whether or not you own or rent, we make educators feel safe at home.


Homeowners Insurance

Protect your home and all its contents


Horace Mann’s homeowner policies provide the building blocks you need to withstand most hazards, and are customizable to meet your specific needs.

Renters Insurance

Don’t be left out in the cold if your rental is damaged

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If you’re a renter, your landlord isn’t responsible for loss or damage to your personal property. Protect your valuables with renter insurance.

Identity Theft Services

Horace Mann helps you protect your identity


Identity theft can rob you of your money, time and reputation. Because we’re committed to protecting you and your family, we’re proud to offer Identity Fraud Advocacy Services.

Replacement Cost on Contents Coverage

Coverage options when insuring personal property

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If you have a covered loss, a claims adjuster will need to put a dollar amount on each item damaged or destroyed.  Will that amount will reflect the item's current condition (new cost minus depreciation) or the cost to replace it?  It depends on the coverage you have.

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  • Auto and Property
    M – F, 7 a.m. - 8 p.m. Central time.
  • Life, Annuity and Group
    M – F, 7 a.m. - 7 p.m. Central time.