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.