Horace MannReviews of horacemann.com

DO NOT OBTAIN YOUR INSURANCE FROM HORACE MANN. I joined Horace Mann Auto Insurance as a first year teacher nearly 60 years ago. I do not drink alcohol, take illegal drugs, or drive recklessly. Over all those years, I had a couple of accidents, but nothing serious and caused by others. When my catalytic convertor was stolen, Horace Mann refused to pay even though the district manager for the company to which Horace Mann directed me for a replacement catalytic convertor explained that all other insurance companies were paying in full. After a long hassle with Horace Mann, I got about 10% off the bill. I should have left then. As I am on a very meager fixed income, I contacted Horace Mann to explore alternative auto policies which would cost less. The only offer was to speak with their department which works with other companies. I explored on my own and obtained a policy from another, very reputable insurance company for a fraction of the cost of anything Horace Mann offered me. I contacted Horace Mann on October 6, 2026, to terminate my policy. The Horace Mann representative assured me, when I questioned if I would be billed for October, that he was contacting the billing department immediately. (The effective date for the policy which Horace Mann offered me started October 10, 2026. The Horace Mann premium deducted from my bank account for all the years I have had that bank were deducted on the 16th of the month.) I was even sent a letter from Horace Mann confirming that my auto insurance was cancelled effective 12:01 am on October 6, 2026. As of the afternoon of October 19, 2026, I was promised in a conversation with a representative that billing was looking into what amount Horace Mann would refund as my policy started September 29, 2026, a date which never appeared on any document to me nor mentioned in any previous conversation. The representative on the 19th stated that my records noted that I had been sent an email on September 30, 2026, alerting me to the September 29 date. I checked my email, both using a search on "Horace Mann" and on "horaceman" as well as checking every email on the 29th. They lied to me; there was no email from them. Further, they promised to call me back with more details regarding why they were not returning my premium or only part of it. They did not. HORACE MANN IS A SCAM. They overdrew my bank account, costing me overdraft fees; ruining my credit; bouncing regular payments from my bank account, resulting in higher interest on some; and preventing me from accessing the funds that were in my bank account so that I an unable to buy food or gas. Meanwhile they are getting interest on my money. Their actions are not just greedy, but cruel. B U Y E R B E W A R E.

Extremely slow to respond to claim. Impossible to speak with someone to resolve issues. When requesting to speak to a supervisor, this company will repeatedly say that you can not and will promise to follow up on your request and not do so.

This company is the absolute worst. I switched my homeowners and car insurance. Last month and saved 60%. I also had an investment 403b with them. They were charging me and exorbitant management fee in addition to buy ins for every addition to the account. I have been trying to get my 403b switched from them to a different company within my APPROVED network for 2 months. They not only refuse to send my money to where I want it, but they are also keep sending me around to people who have no idea what they're talking about and every time the person requests it, they deny me saying things like, ohh, we need an acceptance letter from your company, or we need this or you filled out that form wrong. It almost seems like they wanna make it so difficult that you just give up. So they can keep your money in their account. I would never recommend anybody to go with this company. Unless you want a severe headache with everything you do and you have lots of spare time to spend on the phone getting transferred around or just outright ignored. When I first started with them, the customer service was great (10years ago)and it has steadily gone downhill over the years now. You're nothing but a number. They do not return your calls. They do not handle things properly in a timely manner. Avoid horace man like the plague.

We asked our specific agent at least twice to help us lower our rates. All he did was explain our policy and when we suggested we needed to look elsewhere, he just said insurance is high everywhere. There was no in-depth examination of the possibility we were overinsured and I do not recall any comparisons with affiliated insurance companies. About three weeks ago, my wife called the regular customer service number about our rates and was assisted by one of their agents. After about an hour and a half with a kind and patient gentleman, we had reviewed our condo coverage and discovered that we are carrying too much insurance for our small space. He adjusted our coverage to what is needed and then proceeded to check policies with other companies to see if he could find us better auto rates. And he did. We have been paying $429.74 month for insurance and this gentleman, just by spending quality time with us and asking questions to determine how much coverage we need, is saving us several hundred dollars a year. The condo policy was about to renew at $651 a year and now we are paying. $335.76 per year. Then this gentleman placed us with GEICO after comparing auto rates and we have exactly the coverage we need for less money. After sharing my frustration with TG, our assigned agent, I received the question can we talk so you can share your experience with me? It is not a customer’s place to explain what should have been done. This is his industry, this is his paycheck. He could have done for us what this gentleman did. When we expressed to the gentlemen our anger and inability to understand why we were paying so much, he stated Those people are focused on sales. We have owned our condo since 2015. And we have been over insured the entire time. And we have been struggling to make these payments as insurance costs have risen even more. This company says it is working for the good of educators. That has not been our experience.

Underwriter made two huge mistakes on our home policy. We have two homes we were first told they were both approved but then told they wouldn’t insure our homes. Underwriter had made mistakes on the description of both homes. Tried to correct it but still got them wrong. We had to give up and ask for our money back. Horace Mann charged our credit card before our applications were even signed. It took almost two months to get all our money back for 5 vehicles and two homes. Still don’t understand what went wrong but the Senior agent we were working with didn’t seem to want to make it right.

Addressed me as Thomas. That’s not my name. My name is Tom.

There are not many choices in agents and I had one that was unprofessional and took my questions related to my policy as a personal attack on him for whatever reason.

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