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.
Replacement Cost on Contents Coverage
Coverage options when insuring personal property
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.