Educator Advantage®

Educators who have a Horace Mann auto and/or home insurance policy get our Educator Advantage package of special coverages and benefits at no additional cost. It’s just one way we thank you for the work you do every day. 

Teacher working with a group of students
Mother helping daughter out of car

With our auto policy

You’ll be reimbursed:

  • The cost of a replacement car if your new car is declared a “total loss”
  • Up to $35 for transportation if you find yourself away from home and feel you can’t safely drive if you have Rental Reimbursement coverage

You’ll pay no deductible for:

  • Covered vandalism losses on or near school property or while at a school-sponsored event
  • A collision claim on or near school property or while at a school-sponsored event
  • A collision claim with another vehicle insured by Horace Mann

You’ll receive:

  • Liability coverage when transporting students in a vehicle we insure
  • Up to $1,000 in personal property coverage if items you use during your work as an educator are stolen or damaged while in your car
  • Up to $1,000 for veterinary bills or related expenses if your pet is injured or dies as a result of injuries sustained in a covered accident

With our home policy

  • Your lowest deductible will be waived if your home and auto(s) are damaged in the same occurrence.
  • You’re covered if money or goods for a school-sponsored event are stolen while they’re in your possession.

You’ll be reimbursed for:

  • The replacement of keys or rekeying of locks for your home and auto if your keys are stolen.
  • Your monthly mortgage or rent payment if your residence is uninhabitable due to a covered loss.

You’ll pay no deductible on the first $1,000 of coverage:

  • If your personal property is stolen from a vehicle that is parked on or near school property or at a school-sponsored event.
  • For a covered loss if your personal property is being used for educational activities away from home.

All educator customers also receive our Identity Fraud Advocacy Services Endorsement with their property policy at no additional charge.

Horace Mann Insurance Company and its affiliates underwrite Horace Mann auto and home 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.