Renters insurance for educators
Help protect your personal belongings.
The Homeowners insurance Educator Advantage®
Educators who have a property policy with us get our Educator Advantage® package of extras at no additional charge. It’s just one way we thank you for the hard work you do every day.
Rental policy coverages
Medical payments coverage
Pays for necessary medical expenses (subject to policy limits) for non-residents injured at your address.
Personal liability coverage
Provides coverage for bodily injury or property damage for which you are liable, subject to exclusions.
Unscheduled personal property coverage
Protects your personal belongings anywhere in the world! There are coverage limits for certain types of property, but you can increase those limits or insure certain valuable items with Scheduled Personal Property coverage, which is not subject to the policy's deductible.
Coverage for additional living expenses
We cover extra reasonable and necessary costs incurred (up to your policy's specified limit) if you're forced to live in temporary quarters due to a covered loss or repair of your home and property.
Gives you increased coverage on expensive items like jewelry, art, golf clubs or antiques.
Protects your personal property – such as your TV and furniture – by covering the cost to replace them.
Helps restore your identity if compromised and comes with our property policy at no charge.
Need to make a claim?
Choose an option below.
Featured blogs
Three common myths about renters insurance
There are a lot of misconceptions out there about renters insurance, which may explain why nearly 60% of renters don’t have a policy.1
Protect your most valuable items
You might want to consider adding Scheduled Personal Property coverage to protect your more expensive items.
College preparation should include an insurance evaluation
What insurance coverages should you and your child have before arriving on campus?
Renters insurance FAQs
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What’s the difference between renters insurance and homeowners insurance?Both renters insurance and homeowners insurance protect your possessions. The difference between each is homeowners insurance also protects the structure – the building itself, while renters insurance does not. Renters insurance primarily covers belongings and provides general liability coverage.
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Is renters insurance required?Renters insurance isn’t legally required, but some rental agreements and leases may require it.
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Can roommates share renters insurance?You should each have your own policy that covers your own belongings. Individual policies usurp doubling the number of belongings being covered and potentially reaching coverage limits. Also, if one of you moves out, you’ll need to untie your policies which can be complicated if you don’t leave on good terms.
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What is a renters insurance home inventory?A renters insurance home inventory is an inventory of everything you own that would be potentially covered by your renters insurance policy. This is helpful when filing a claim, as some insurers may request proof of ownership of an item. There are many home inventory apps that let you photograph and document items straight from your smartphone.
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How much does renters insurance cost?The cost of a renters insurance policy depends on the collective value of the property you’re insuring, where you live, your credit score, and the type of policy you buy. According to the National Association of Insurance Commissioners, the average renters insurance premium in 2020 was $173.1
1. Source: https://www.iii.org/fact-statistic/facts-statistics-renters-insurance
Horace Mann Insurance Company and its affiliates underwrite Horace Mann renters 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.