California carrier
Horace Mann home insurance in California
Horace Mann is actively writing new California home business. It is committed to the state's Sustainable Insurance Strategy.
Status
Eligibility note: Educators and school employees
SIS-committed; educator-focused. Structure: publicly traded stock company, NYSE: HMN.
Source: CDI / state press on SIS commitments (carriers.json, reviewed June 2026). Status is statewide and not a guarantee for any address.
Where Horace Mann appears in the filed-rate survey
Counties where Horace Mann (or its group) appears in the CDI §12959 survey, cheapest first. Filed premium for a $625,000 dwelling — actual measured data.
| County | Filed premium / yr |
|---|---|
| Santa Barbara County | $1,728 |
| San Diego County | $1,814 |
| San Joaquin County | $1,828 |
| San Luis Obispo County | $1,836 |
| Lake County | $1,844 |
| Mendocino County | $1,844 |
| Napa County | $1,844 |
| Solano County | $1,844 |
| Sonoma County | $1,844 |
| Monterey County | $1,881 |
| San Benito County | $1,881 |
| Santa Clara County | $1,925 |
Matched on company name in the CDI survey; shown where the match is clear. CDI §12959, effective 2026-05-01.
Cheapest filed counties
REAL- Santa Barbara County — $1,728
- San Diego County — $1,814
- San Joaquin County — $1,828
- San Luis Obispo County — $1,836
- Lake County — $1,844
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Priciest filed counties
REAL- Alameda County — $4,493
- San Francisco County — $4,348
- Sierra County — $2,611
- Nevada County — $2,611
- Calaveras County — $2,611
CDI §12959 premium survey, $625,000 dwelling; filed premiums are not quotes.
Frequently asked
Is Horace Mann writing new home insurance in California?
As of June 2026, Horace Mann is actively writing new California home business. Carrier appetite changes frequently and varies by address and wildfire risk.
Is Horace Mann part of California's Sustainable Insurance Strategy?
Yes. Horace Mann is among the insurers that committed to writing more policies in higher-risk areas under California's Sustainable Insurance Strategy.
What does Horace Mann charge for home insurance in California?
Where Horace Mann appears in the CDI filed-rate survey ($625,000 dwelling), its premiums range from $1,728 to $4,493 a year across 58 counties.
Where is Horace Mann cheapest in California?
In the CDI §12959 filed-rate survey ($625,000 dwelling), Horace Mann's cheapest county is Santa Barbara County at $1,728 a year; its priciest is Alameda County at $4,493. Filed premiums are not quotes.
Next step
Check your exact address and see the FAIR Plan + DIC fallback. When you’re ready to shop, a licensed California broker can compare carriers for you. We provide estimates only — never quotes.
Check your address or find consumer help from the California Department of Insurance