Renters insurance for educators

Help protect your personal belongings.

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Teacher communicating via sign language with deaf student

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.

Keys in door

If you rent, it’s likely your landlord’s insurance policy specifically excludes your stuff. So if your property is damaged or stolen, and you don’t have insurance, you may be responsible for replacing those items out of pocket.

A renters insurance policy through Horace Mann will provide:

  • Protection for your possessions that have been damaged or stolen;
  • Liability coverage if someone who is not a member of your household is injured on your premises and you are liable for the injury; and
  • Additional living expenses if your residence becomes uninhabitable from a covered loss.
Roommates moving in

Rental policy coverages

Medical payments coverage

Pays for necessary medical expenses (subject to policy limits) for non-residents injured at your address.

Personal liability coverage

Provides coverage for bodily injury or property damage for which you are liable, subject to exclusions.

Unscheduled personal property coverage

Protects your personal belongings anywhere in the world! There are coverage limits for certain types of property, but you can increase those limits or insure certain valuable items with Scheduled Personal Property coverage, which is not subject to the policy's deductible.

Coverage for additional living expenses

We cover extra reasonable and necessary costs incurred (up to your policy's specified limit) if you're forced to live in temporary quarters due to a covered loss or repair of your home and property.

 Renters insurance discounts
Save by bundling it with another Horace Mann product, such as auto insurance, life insurance or an annuity.
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Scheduled Personal Property

Gives you increased coverage on expensive items like jewelry, art, golf clubs or antiques.

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Replacement Cost insurance

Protects your personal property – such as your TV and furniture – by covering the cost to replace them.

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Identity Fraud Advocacy Services

Helps restore your identity if compromised and comes with our property policy at no charge.

Need to make a claim?

Choose an option below.

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Renters insurance FAQs

  • What’s the difference between renters insurance and homeowners insurance?
    Both renters insurance and homeowners insurance protect your possessions. The difference between each is homeowners insurance also protects the structure – the building itself, while renters insurance does not. Renters insurance primarily covers belongings and provides general liability coverage.
  • Is renters insurance required?
    Renters insurance isn’t legally required, but some rental agreements and leases may require it.
  • Can roommates share renters insurance?
    You should each have your own policy that covers your own belongings. Individual policies usurp doubling the number of belongings being covered and potentially reaching coverage limits. Also, if one of you moves out, you’ll need to untie your policies which can be complicated if you don’t leave on good terms.
  • What is a renters insurance home inventory?
    A renters insurance home inventory is an inventory of everything you own that would be potentially covered by your renters insurance policy. This is helpful when filing a claim, as some insurers may request proof of ownership of an item. There are many home inventory apps that let you photograph and document items straight from your smartphone.
  • How much does renters insurance cost?
    The cost of a renters insurance policy depends on the collective value of the property you’re insuring, where you live, your credit score, and the type of policy you buy. According to the National Association of Insurance Commissioners, the average renters insurance premium in 2020 was $173.1

1. Source:

Horace Mann Insurance Company and its affiliates underwrite Horace Mann renters 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.