What does auto physical damage — year three mean?

Tracks the loss development or premium revenue for auto physical damage coverage in the third year following policy inception. This data point is critical for actuarial analysis and understanding long-term claim settlement patterns.

Horace Mann Educators HMN Auto physical damage — Year Three

Similar metrics at other companies

HIGPersonal automobile physical damage — 3rd Year

-0.2%-0.1pp

KMPRCommercial Automobile Insurance—Physical Damage — Year 3

100%0.0pp

HIGCommercial automobile physical damage — 3rd Year

0.4%+0.3pp

ALLAuto insurance - physical damage coverage — 3 years

-0.5%-0.1pp

KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 3

100%0.0pp

KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 3

100%0.0pp

Other financials

Income statement

See full

Revenue$429.3M+3.1%

Net income$41.2M+7.9%

EPS (diluted)$1.00+8.7%

Balance sheet

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Cash & equivalents$20.9M-31.0%

Total debt$593.8M+8.5%

Total equity$1.5B+9.5%

Total assets$15.0B+4.0%

Cash flow

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Operating cash flow$61.3M-56.5%

Valuation

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Market cap$2.04B-1.1%

Profitability

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Net margin9.6%+2.6pp

Returns & leverage

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Return on equity11.7%+2.8pp

Debt / equity0.4×0.0×

Where this comes from

Reported directly by Horace Mann Educators in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

The official record: Horace Mann Educators’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Horace Mann Educators's auto physical damage — year three?: Horace Mann Educators (HMN) reported auto physical damage — year three of -0.3% in Q4 2025.
What does auto physical damage — year three mean?: Tracks the loss development or premium revenue for auto physical damage coverage in the third year following policy inception. This data point is critical for actuarial analysis and understanding long-term claim settlement patterns.