Identity Theft Services
Horace Mann helps you protect your identity
Identity theft can rob you of your money, time and reputation. Because we’re committed to protecting you and your family, we’re proud to offer Identity Fraud Advocacy Services.
Replacement Cost on Contents Coverage
Coverage options when insuring personal property
If you have a covered loss, a claims adjuster will need to put a dollar amount on each item damaged or destroyed. Will that amount will reflect the item's current condition (new cost minus depreciation) or the cost to replace it? It depends on the coverage you have.