Renters insurance


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A number of factors can affect your renters insurance premium, but we offer discounts that can help you save.

Multiline discount

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

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.

Protective device discount

Protective devices offer assistance in protecting renters against fire and theft. If you purchase these devices, you may qualify for a discount on your renters insurance premium.

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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.

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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.

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.