Horace Mann Homeowners insurance for educators

We recognize how important your home and possessions are, so we offer Homeowners insurance policies that’ll protect against almost any hazard. You can also customize your coverage with policy extras.

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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.

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Coverages
Homeowners insurance coverages
We offer several different types of property insurance policies with levels of coverage so you can customize a policy around your unique needs.

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Discounts
Homeowners insurance discounts
A number of factors can affect your Homeowners insurance premium, but we offer several discounts to help you save.

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Scheduled personal property icon
Scheduled Personal Property

Gives you increased coverage on expensive items like jewelry, art, golf clubs or antiques.

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Replacement Cost insurance

Protects your personal property – such as your TV and furniture – by covering the cost to replace them.

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Underground lines icon
Underground Service Line coverage

Protects underground wires/pipes on your property that provide services to your home.

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Water backup coverage icon
Water Backup coverage

Helps protect your home and belongings from water damage.

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Identity Fraud Advocacy Services

Helps restore your identity if compromised and comes with our property policy at no charge.

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SimpliSafe Home Security

Horace Mann customers can save up to 64% on a 24/7 home security system.

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Call 800-999-1030

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Homeowners insurance FAQs

  • What coverages come with a Homeowners insurance policy?
    • 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 covers extra reasonable and necessary costs incurred (up to your policy's limit) if you're forced to live in temporary quarters due to a covered loss or repair of your home.
  • What perils is my house covered against?

    Covered perils vary by policy, but Homeowners insurance typically covers:

    • 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
  • How does my Homeowners insurance deductible affect me?
    The deductible is the amount of a loss you must pay before your insurance starts to pay.

    Generally, higher deductibles mean lower premiums because you take on more risk and pay for small claims that are less than your deductible amount. Choose a deductible that’s low enough you can cover it out of pocket, but also high enough to reduce your premium.
  • How can I be sure I'm getting good value for my Homeowners insurance?
    Don't cut corners
    Your home is one of the largest investments you’ll make in your lifetime. If you’re underinsured, you could be faced with a massive financial burden if you ever have to repair or rebuild your home in the event of a major loss or catastrophe. Make sure your policy is up to date and your home and its contents are adequately covered.

    Review your policy
    Upon each renewal, review your policy with your agent. Tell them about any changes to your home, such as a recent renovation, and ask about additional coverages you may need or discounts you could qualify for.

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

    Insure your home and auto with 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 handle your claims fairly and quickly. You’ll also have a dedicated agent who can answer questions about your policies and coverage options.

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

Horace Mann Insurance Company and its affiliates underwrite Horace Mann 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. SimpliSafe is not an affiliate of Horace Mann.