Auto Insurance Info
Horace Mann Insurance
The Horace Mann Educator's Corporation is an insurance holding company specializing in insurance products for the education community. Founded in Springfield, Illinois in 1945 as the Illinois Education Association Mutual Insurance Company, its founders saw a need to provide affordable, quality auto insurance for Illinois teachers. Later, the name was changed to honor Horace Mann, known as one of the fathers of the American public education system. Today, Horace Mann is the largest multiline insurance company that specializes in the needs of educators.
Horace Mann offers several product lines to meet the insurance needs of American educators. It provides auto insurance, property insurance, life insurance, disability income, annuities, mutual funds, and college savings plans to its customers. Its auto insurance plans provide special benefits and features for teachers and educators. Their "Educator Advantage" program covers the cost of a replacement car if a new car is declared a total loss, provides for additional emergency road service, waives the comprehensive deductible resulting from vandalism in or near school property, and additional liability coverage in the event a teacher transports students in their vehicle.
The company's auto insurance policies offer all the coverage you would expect from a nationally recognized insurer. Horace Mann offers liability coverage, uninsured motor vehicle coverage, underinsured vehicle coverage, medical payments and personal injury protection, collision coverage, and comprehensive coverage options for each individual plan. Being an insurance company for educators, Horace Mann also offers a wide range of discounts tailored to the education community. These discounts help to make premiums more affordable for teachers. Discounts include a multipolicy discount, educator's discount, National Education Association membership discount, good student discount, payroll discount for direct payment, credit union membership discount, along with any Educator Advantage benefits. These can include additional road service and reduced comprehensive deductibles on top of the benefits mentioned earlier.
Horace Mann also offers Liability Plus auto insurance, which helps protect educators from third party claims that exceed the maximum coverage under your current liability policy. This type of policy helps protect policyholders from costly out of pocket expenses or bills associated with an accident for which they are at fault.
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Written by Sara Smart