This coverage protects your dwelling and structures on your property, such as garages, porches and decks including the cost to rebuild.
Coverage protects additional structures and outdoor fixtures not attached to your home, unless you use them for business.
Provides coverage for bodily injury or property damage for which you are liable, subject to exclusions.
This 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 with Scheduled Personal Property coverage, which is not subject to the policy's deductible.
We cover extra reasonable and necessary costs incurred (up to your policy's limit) if you're forced to live in temporary quarters due to covered loss or repair of your home.
There are two coverage choices when insuring your personal property: Actual Cash Value coverage or Replacement Cost on Contents coverage. The difference between the two involves depreciation.
Actual cash value is the actual value of an item today (new cost minus depreciation). It is not the amount you paid for it or the amount it would cost to replace it. Think of actual cash value as what you might get if you were to sell the item.
Replacement cost on contents covers the cost to fully replace your personal property if it’s damaged or destroyed by a covered loss. Whether you purchased the item two months ago or 10 years ago, with this coverage you will be compensated to replace it with a new item of similar kind and quality.
Pays for necessary medical expenses (subject to policy limits) for non-residents injured at your address.
Provides coverage for bodily injury or property damage for which you are liable, subject to exclusions.
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.
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.
We partner with SimpliSafe to offer our clients exclusive savings on home security systems so they can help protect their homes from burglary, fire, water damage and more. Horace Mann customers can save up to 64% on a home security kit that provides with 24/7 whole home protection.
Because we are committed to protecting educators and their families, we offer Identity Fraud Advocacy Services free of charge to educators who have a home, condo or renters' insurance policy with us. How are you protected?
We offer unlimited one-on-one access to a trained fraud specialist who guides you through the entire restoration process, including:
If you suspect your identity has been compromised, call us at 800-999-1030 Monday through Friday, 7:00 a.m. to 8:00 p.m. CST. to be referred to our Resolution Center.
Property Industry Trends
Paxson Insurance LLC
Horace Mann Insurance Company and its affiliates underwrite Horace Mann Property and Casualty insurance. This cost estimate does not in any way constitute an offer, application, contract, policy or binder of insurance. The coverages listed are only a general description 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. The availability of coverage and expected premium listed are estimated based on the information you provide, and neither is guaranteed.
Copyright © 2024 Paxson Insurance LLC - All Rights Reserved.
Powered by GoDaddy
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.