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.