Horace Mann’s homeowner policies provide the building blocks you need to withstand most hazards, and are customizable to meet your specific needs.
If you’re a renter, your landlord isn’t responsible for loss or damage to your personal property. Protect your valuables with renter insurance.
Identity theft can rob you of your money, time and reputation. Because we’re committed to protecting you and your family, we’re proud to offer Identity Fraud Advocacy Services.
If you have a covered loss, a claims adjuster will need to put a dollar amount on each item damaged or destroyed. Will that amount will reflect the item's current condition (new cost minus depreciation) or the cost to replace it? It depends on the coverage you have.
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