Homeowners insurance


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Multiline discount

You may qualify for a multiline discount on your home insurance if you have an auto or life insurance policy or an annuity with Horace Mann.

Year of Construction discount

You could get a construction year discount if your home was built in the last 10 years.

Claim Free discount

After a Horace Mann policy has been in force for at least three years, a discount applies if there have been no claims.

Home Buyer Loyalty discount

If you have a Horace Mann renters insurance policy and convert it to a Homeowners policy when you purchase a new home, you may qualify for a one-time credit on your Homeowners insurance.

Protective Device discount

Protective devices help protect your home against fire and theft. If you purchase these devices, you may qualify for a discount on your home insurance premium.

New home buyer discount

If you purchase a new home within the first year of being a Horace Mann client, you could get a discount on your Homeowners premium.

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The Homeowners insurance Educator Advantage®

Educators who have a property policy with us get our Educator Advantage® package of extras at no additional charge. It’s just one way we thank you for the hard work you do every day.

Homeowners insurance coverages
We offer several different types of property insurance policies with levels of coverage so you can customize a policy around your unique needs.
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Auto insurance
You could save when you combine your Homeowners policy with Horace Mann auto insurance. See how our auto coverage can meet your unique needs at an affordable price. 

Horace Mann Insurance Company and its affiliates underwrite Horace Mann home and auto insurance. Not all discounts and benefits available in all states.