Auto Insurance
Coverage should fit the way you drive, the people you protect and the financial risk you can comfortably carry.
Explore coverageInsurance Coach • Advisor • Advocate
Know your agent before you need your agent.
Insurance should do more than check a box. It should protect your income, preserve your choices and help the people you love face life’s hardest moments with a plan already in place.
Complimentary, personal and built around your priorities.
Founder & Agency OwnerCalvin CareyRelationship first. Education always.
Protection islove made visible.
Personal guidanceA real agent who knows your story
Educator-focusedSolutions for school employees
Coverage clarityKnow what you have and why
Protect what matters most
One trusted relationship. A complete view of your protection.
Your life does not fit neatly into separate policy boxes. Calvin helps you see how coverage works together, so fewer risks are left hiding between the lines.
Home & Property Insurance
Your home policy should reflect what rebuilding, replacing and recovering would actually require—not just what the property cost years ago.
Explore coverageLife Insurance
Life insurance can help the people you love preserve choices, replace income, handle debt and continue the future you planned together.
Explore coverageRetirement Solutions
A retirement conversation should connect today’s decisions with the income, flexibility and legacy you want later.
Explore coverageBusiness Insurance
Business protection should account for your property, operations, people and the liability that comes with serving customers.
Explore coverageUmbrella & More
Add another layer of liability protection or start a conversation about coverage beyond the core categories.
Explore more protectionAlready insured?
Let’s find out whether your current coverage still fits your life.
Present in the communities we serve
Founded by educators for educators®
Educators’ insurance and financial solutions since 1945You protect the future every day. Let us help protect yours.
Calvin proudly serves educators, school staff, administrators, transportation personnel, colleges and universities throughout South Oakland County and Metro Detroit.
Educator Advantage®
Qualifying auto and home policies may include special educator-focused features and benefits.
Student Loan Solutions
Resources and coaching can help eligible educators better understand repayment and forgiveness paths.
DonorsChoose Support
Classroom-funding education and community support can help teachers bring projects to life.
School Partnerships
Financial-wellness conversations, staff events and convenient on-site support for school communities.
Founded by Educators for Educators®
Insurance and financial solutions designed with the educational community in mind.Who is Horace Mann?
A company founded by teachers—and focused on the people who serve their communities.
Horace Mann Educators Corporation was founded in 1945 by two Springfield, Illinois teachers who wanted educators to have access to quality, affordable auto insurance. Today, the company offers individual and group insurance and financial solutions tailored to educators and others who serve their communities.
Horace Mann is a publicly traded company listed on the New York Stock Exchange under the symbol HMN. Its educator-focused presence spans 46 states.
Insurance and product availability varies by state and individual eligibility.
Learn more about Horace MannThe Calvin Carey approach
More personal than a policy. More useful than a transaction.
Calvin believes good insurance guidance starts with listening. The goal is to help you understand what you own, why you own it and how it supports the people and future you value.
- A relationship-driven protection review
- Clear explanations without pressure or jargon
- Service before, during and after the policy decision
Common questions
Clarity starts here.
Insurance can feel complicated. The first conversation should not.
Ask Calvin a different questionWhat happens during a Protection Review?+
Calvin learns what matters to you, reviews the coverage you have, identifies questions or possible gaps and explains practical next steps. The initial conversation is complimentary and does not obligate you to buy.
Do you serve people who are not educators?+
Yes. Calvin has a special commitment to educators and school employees, while also serving families, business owners, retirees and members of the general public.
Can I request a quote online?+
Yes. The online intake securely records basic contact and planning information. Calvin then follows up for the additional details required to prepare an actual quote. Submitting the form does not bind coverage.
Can you review insurance I already have?+
Absolutely. A current-policy review can help you understand limits, deductibles, beneficiaries and whether life changes may have created protection gaps.
Protect today. Preserve tomorrow. Build forever.
Let’s build a future worth protecting.
Start with a quote request or a complimentary protection review.