Additional coverage options and services

Customize your policy with our selection of extra coverage options depending on your needs. Talk to your Horace Mann representative for more information.

African american couple and insurance agent

For auto insurance:

Car with emergency triangle

Emergency Road Service

Emergency Road Service can be added to your auto policy to provide coverage for:

  • Towing
  • Minor mechanical adjustments
  • Battery jump start
  • Tire change
  • Gasoline, oil and water delivery
  • Lockout service

When you purchase Emergency Road Service, Horace Mann Express Service is included at no additional charge and provides prompt 24/7 assistance.

Costs of battery, tire(s), fuel or oil are not covered.

If you are a customer needing Emergency Road Service, call 877-272-0030.

Couple buying a new car

Rental Reimbursement

If you have a covered loss due to an auto accident, Rental Reimbursement coverage helps pay for a rental car or other transportation while your vehicle is in the shop. 

For Homeowners insurance:

Woman hanging painting

Scheduled Personal Property

Scheduled Personal Property coverage can be added to your current home, renters or condo policy to provide additional coverage for high-value items, such as jewelry, antiques, artwork, collectibles, firearms or golf club. Most Homeowners policies have sub-limits on certain types of property, which means more expensive items may only be partially covered in the event of a covered loss.


Replacement Cost insurance

There are two coverage choices when insuring your personal property: Actual Cash Value coverage or Replacement Cost on Contents coverage. The difference between the two involves depreciation.

Actual Cash Value coverage

Actual cash value is the actual value of an item today (new cost minus depreciation). It is not the amount you paid for it or the amount it would cost to replace it. Think of actual cash value as what you might get if you were to sell the item.

Replacement Cost on Contents coverage

Replacement cost on contents covers the cost to fully replace your personal property if it’s damaged or destroyed by a covered loss. Whether you purchased the item two months ago or 10 years ago, with this coverage you will be compensated to replace it with a new item of similar kind and quality.

Underground pipe

Underground Service Line coverage

Underground Service Line coverage protects the underground wires and pipes on your property that provide services to your home, such as electricity, water, gas, internet and cable. Repairing these lines can be costly and often includes excavation. You can add this endorsement to your Homeowners policy to pay for:

  • Repairing or replacing your underground service lines, including excavation
  • Additional living expenses if you have to vacate your home while repairs are made
  • Repairs to your outdoor property, including trees, shrubs, lawn, walkways and driveways, if damaged as a result of a covered service line failure
Sponge cleaning floor

Water Backup coverage

Water damage is one of the most common and costly types of Homeowners insurance claims. A standard Homeowners, condo or renters policy does not include coverage for water backup and overflow from sewers, drains, sump pumps or related equipment. A water backup endorsement can be added to your Homeowners policy to help protect your home and belongings from water damage.

Hispanic family with boxes moving into new home

SimpliSafe Home Security

We partner with SimpliSafe to offer our clients exclusive savings on home security systems so they can help protect their homes from burglary, fire, water damage and more. Horace Mann customers can save up to 64% on a home security kit that provides with 24/7 whole home protection.

Young woman on video conference call

Identity Fraud Advocacy Services

Because we are committed to protecting educators and their families, we offer Identity Fraud Advocacy Services free of charge to educators who have a home, condo or renters insurance policy with us. How are you protected?

We offer unlimited one-on-one access to a trained fraud specialist who guides you through the entire restoration process, including:

  • Systematic notification to all appropriate agencies and organizations
  • Direct assistance with documentation and report filings
  • A three-in-one credit report and one year of credit monitoring
  • Free fraud alert placement and a year of fraud monitoring in more than 1,000 databases
  • Proactive support for victims of purse and wallet theft
  • Ongoing education and more

If you suspect your identity has been compromised, call us at 800-999-1030 Monday through Friday, 7:00 a.m. to 8:00 p.m. CST. to be referred to our Resolution Center.

Horace Mann Insurance Company and its affiliates underwrite Horace Mann home and auto insurance. The benefits and discounts listed are only general descriptions of coverage and do not constitute a statement of contract. Additional terms and conditions, as described in the policy, must be met for the coverage to be provided. Not all discounts and benefits available in all states. SimpliSafe is not an affiliate of Horace Mann.