Horace Mann Insurance Company
Client Review on Horace Mann Insurance Company
Feedback:
My husband and I had Horace Mann insurance through the James Allen agency for many years. We had policies on our home and several vehicles. He never initiated contact with us (not even to thank us for our many years of loyalty with a calendar). Whenever we needed him, he did respond promptly. HOWEVER, we had to leave his agency and this is why. I always paid dutifully, and though I noticed the homeowner's premium creeping up every year, I thought it was a normal and reasonable increase (my fault). It was only when my neighbor, who has an almost identical house, told me what she was paying (roughly a third of our premium), that I realized I was paying way too much. We invited James Allen to our home, where he told us without apology that our home was being insured for three times its value, and that in the event our home was destroyed the replacement would be only at the appraised value. Even though I should have been more vigilant about the cost of the premium, it is unconscionable that he would, or would even be allowed to, charge three times what our house is worth. Needless to say, we took the case to Horace Mann Insurance Company, but they credited us only a fraction of our thousands of dollars of overpayment. I'm not saying that you shouldn't use his business, but if you do, make sure you review your policy with him annually.
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