Insurance Is Dropping Me

[BumbleBee]

It's a long story, and one that wasn't my fault (agent f'd up), but the short version is I'll be without homeowners insurance as of August of this year. I'll write the whole story later, right now I'm just p*ssed off.

So the basic facts right now:

State: Michigan

License: Group Home, up to 12 children

Home type: Manufactured home

If anybody in Michigan has a manufactured home and runs a home daycare, please either respond to this thread or PM me. I've been on the phone for the better part of the week and I'm hitting a dead end.

The issue is it's a manufactured home, if it was stick built it wouldn't be a problem, but it's not. So that's where I'm at.

[AmyKidsCo]

I'm so sorry! I hope you can find good insurance quickly!

Ours dropped us a couple of years ago because of "too many" claims and the same company dropped my FCC friend because of a bigger claim for tornado damage.

Insurance companies stink.

[CityGarden]

I am so sorry to hear that.

[lovemykidstoo]

Where are you in Michigan? My husband has a friend that owns a Farm Bureau agency in Saginaw. I can ask him if they would do insurance. You're looking for homeowners and also daycare?

[Unregistered]

Farmers ins.

The only company I know that insures for 12 kids is farmers, they are high but the only company that will insure with lic for 12. I have searched for more over the years and none exist.

[lovemykidstoo]

The only company I know that insures for 12 kids is farmers, they are high but the only company that will insure with lic for 12. I have searched for more over the years and none exist.

That's the company I gave you the number for BumbleBee. Did you reach Ryan?

[midaycare]

I'm going to need to up my license in MI from 6 to 12 soon. I have State Farm. I hope they still insure me

Any luck OP?

[mommyneedsadayoff]

Are you looking for homeowners? We have a manufactured home and go through foremost.

[LysesKids]

I'm going to need to up my license in MI from 6 to 12 soon. I have State Farm. I hope they still insure me

Any luck OP?

State Farm limits it to 6 from what I have learned - I've been insured thru them in 4 states now... I tried to up it in another state, but nope.

[midaycare]

State Farm limits it to 6 from what I have learned - I've been insured thru them in 4 states now... I tried to up it in another state, but nope.

Yeah, I just heard back from them. Limited to 6, boo!

[lovemykidstoo]

In Michigan, Ryan can get you group insurance. https://agents.farmers.com/mi/sagina...m_medium=Local

[BumbleBee]

Are you looking for homeowners? We have a manufactured home and go through foremost.

Foremost said no for me. Not sure if it's the license for 12 or what but it was a definite no.

[BumbleBee]

That's the company I gave you the number for BumbleBee. Did you reach Ryan?

Honestly I haven't made any calls in 2 weeks. I have his number, I will call him. Last 2 weeks of school were crazy after crazy. Haven't had any quiet time to make a call. May just email him instead.

[midaycare]

In Michigan, Ryan can get you group insurance. https://agents.farmers.com/mi/sagina...m_medium=Local

Thank you! I will be calling in about 6 weeks :hug:

[lovemykidstoo]

Thank you! I will be calling in about 6 weeks :hug:

My husband used to work with him until my husband got a job at the hospital. He wrote my daycare license. I'll message my hubby's name to drop when you call him.