What's Covered

We're dedicated to protecting you and your family in the event of a disaster.  Below is a brief overview of what is covered if your property is damaged by an earthquake, flood, hurricane, tornado, wildfire, strong winds or winter weather.

To ensure you have the right protection, contact a Horace Mann insurance agent.

Horace Mann's basic policy does not cover earthquakes; however, you may purchase an endorsement that provides coverage for building and personal property damage caused by an earthquake.  The endorsement also covers additional living expenses (reasonable motel and food expenses), per the conditions of your policy.

If your vehicle is damaged by an earthquake, the comprehensive coverage in an auto insurance policy generally covers repair or replacement costs.

Standard homeowner policies typically do not include flood protection.  However, you can obtain flood insurance through the federal government's National Flood Insurance Program to cover losses to your property caused by flooding - such as structural damage, flooring replacement, flood debris cleanup and replacement of your contents.  If you don't already have federal flood insurance protection, contact your Horace Mann insurance agent about obtaining this coverage through our Flood Insurance Placement Program.

If your vehicle is damaged by a flood, the comprehensive coverage in an auto insurance policy generally covers repair or replacement costs.

Horace Mann’s home insurance policy covers wind damages caused by a hurricane, subject to the exclusions and limitations specified in your individual policy.  While high winds from hurricanes can be dangerous, flooding can be the most damaging element.  Flood protection is not covered by a basic home insurance policy.  Learn about flood protection above.

If your vehicle is damaged by a hurricane, the comprehensive coverage in an auto insurance policy generally covers repair or replacement costs.

Your home insurance policy covers wind damages associated with a tornado, subject to the exclusions and limitations specified in your individual policy.

If your vehicle is damaged by a tornado, the comprehensive coverage in an auto insurance policy generally covers repair or replacement costs.

Your home insurance policy generally covers property damage caused by a wildfire, as well as damage caused by water and fire retardant used to fight the fire.

If your vehicle is damaged by a wildfire, the comprehensive coverage in an auto insurance policy generally covers repair or replacement costs.

Damage caused by high winds is covered by Horace Mann’s home insurance policy, subject to the exclusions and limitations specified in your individual policy.

If your vehicle is damaged by high winds, the comprehensive coverage in an auto insurance policy generally covers repair or replacement costs.

Your home insurance policy generally covers damage caused from the effects of winter storms – such as frozen plumbing or structural damage caused by the weight of ice and snow, subject to the exclusions and limitations specified in your individual policy.  You may also purchase endorsements to your Horace Mann policy for replacement cost of contents and to insure the contents of your refrigerator and freezer that are lost due to an extended power outage.    

The comprehensive coverage in an auto policy generally covers repair or replacements costs resulting from damage directly caused by the effects of winter storms, such as damage caused by high winds or the weight of ice and snow.  Your policy’s collision coverage generally covers auto damage caused by colliding with another object.  Your policy’s liability, uninsured or underinsured motor vehicle coverage, and medical payments/personal injury protection coverages provide protection if you’re involved in winter weather-related accident with other drivers.

 

Coverage underwritten by Horace Mann Insurance Company, Horace Mann Property and Casualty Insurance Company, Teachers Insurance Company and Horace Mann Lloyds.

WBCA-0012 (3/13)

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