What is Horace Mann Educators's homeowners — year three?

Horace Mann Educators (HMN) reported homeowners — year three of 2.2% in Q4 2025.

How has Horace Mann Educators's homeowners — year three changed year-over-year?

Horace Mann Educators's homeowners — year three decreased by 0.0% year-over-year, from 2.2% to 2.2%.

What does homeowners — year three mean?

Tracks the performance of homeowners insurance policies that have reached their third year of tenure. This provides insight into the stability of the customer base and the long-term profitability of the homeowners insurance portfolio.

Horace Mann Educators HMN Homeowners — Year Three

Similar metrics at other companies

KMPRHomeowners — Year 3

97.1%+0.5pp

SIGIHomeowners — Short-duration insurance contracts, historical claims duration, year three

3.5%+0.2pp

ALLHome Owners — 3 years

4%+0.1pp

KMPRHomeowners — Year 4

98.4%+0.1pp

EGProperty Insurance — Year three

24.2%+1.7pp

KMPRHomeowners — Year 5

98.8%-0.5pp

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

See full

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

See full

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 homeowners — year three?: Horace Mann Educators (HMN) reported homeowners — year three of 2.2% in Q4 2025.
How has Horace Mann Educators's homeowners — year three changed year-over-year?: Horace Mann Educators's homeowners — year three decreased by 0.0% year-over-year, from 2.2% to 2.2%.
What does homeowners — year three mean?: Tracks the performance of homeowners insurance policies that have reached their third year of tenure. This provides insight into the stability of the customer base and the long-term profitability of the homeowners insurance portfolio.