• Residence coverage protects your dwelling and attached structures, such as garages, porches and decks.
• Related private structures coverage protects additional structures and outdoor fixtures not attached to your home, unless you use them for business.
• Medical payment coverage pays for necessary medical expenses (subject to policy limits) for non-residents injured on your property.
• Personal liability coverage protects you against injuries to others on your property and elsewhere. Plus it covers accidental damage to someone else's property.
• Basic personal property coverage protects your personal belongings anywhere in the world!  The policy limits coverage for certain types of property, but you can increase these limits or insure certain valuable items.
• Coverage for additional living expenses and loss of rent - We cover extra reasonable and necessary costs incurred (up to your policy's limit) if you're forced to live in temporary quarters due to covered loss or repair of your home.

Covered perils vary by policy, but some of the misfortunes homeowner insurance covers include:

• Fire
• Windstorm or hail
• Lightning
• Weight of ice, sleet or snow
• Smoke damage
• Explosion
• Vandalism
• Theft
• Structural collapse
• Frozen plumbing
• Glass breakage
• Falling objects
• Riot
• Falling aircraft
• Damage done by other vehicles
• Accidental water damage**
• Damage to appliances caused by electrical currents

**Losses caused by floods or tidal waves, backup through sewers and drains, water below the surface of the ground, and seepage or leakage may be excluded.

The deductible is the amount of a loss you must cover before your insurance starts to pay.

Generally, higher deductibles lower premiums because you take on more risk and pay for small claims less than the deductible.  Choose a deductible you can cover out of pocket, but also high enough to lower the premium.

Don't cut corners
The Insurance Information Institute (III) states nearly 64 percent of all homes in America are underinsured by an average of 27 percent.

Review your policy
Upon each renewal, ask your insurance agent questions about available protection under umbrella policies, flood, earthquake or other coverage. Voice your concerns.

Choose the right deductible for you
The deductible is the amount of a loss you must cover before the insurance company pays.  By increasing your deductible, you save money on your premiums.  But make sure you can pay the out-of-pocket expenses if something happens.

Buy your home and auto insurance from the same company
Horace Mann offers lower rates if you insure both your home and auto with us.

Service is important
Horace Mann and its representatives will answer your questions and handle your claims fairly and quickly. And your insurance agent can meet when it's convenient for you.

Consider other factors
You may qualify for lower rates by installing fire or burglar alarm systems.