Insurance Is Dropping Me

[hwichlaz]

For 12 you have to get separate daycare and homeowners.

My daycare insurance is through Assured Child Care Insurance.

[Alwaysgreener]

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.

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.

Farmers owns Foremost, Foremost it is their mobile home insurance company.

Do you have a mobile home or Modular?

If you have a modular, do not call it a manufactured home, they do not always ask if it is a mobile home or modular home and will deny you because they do not do mobile homes. (This happened to my brother when he called back and said it was a Modular, he got a quote.)

If you can't find an insurance company directly, try an insurance agency and have them search for you. They can sometimes find companies that you would never think of calling.

I have Farm Bureau, family home up to 6. I left Liberty because they would not do more than 3 kids. State Farm was runner-up but was higher than FB. AAA will not talk to you if you have a daycare.

[BumbleBee]

Farmers owns Foremost, Foremost it is their mobile home insurance company.

Do you have a mobile home or Modular?

If you have a modular, do not call it a manufactured home, they do not always ask if it is a mobile home or modular home and will deny you because they do not do mobile homes. (This happened to my brother when he called back and said it was a Modular, he got a quote.)

If you can't find an insurance company directly, try an insurance agency and have them search for you. They can sometimes find companies that you would never think of calling.

I have Farm Bureau, family home up to 6. I left Liberty because they would not do more than 3 kids. State Farm was runner-up but was higher than FB. AAA will not talk to you if you have a daycare.

it's a manufactured home (mobile home). Has HUD plates. Wishing it was a modular at this point, or that I hadn't gotten licensed as a group home.

Thanks for the info, I appreciate it.

[Alwaysgreener]

it's a manufactured home (mobile home). Has HUD plates. Wishing it was a modular at this point, or that I hadn't gotten licensed as a group home.

Thanks for the info, I appreciate it.

At this point have you found any insurance?

Have you tried Progressive or Geico?

[BumbleBee]

At this point have you found any insurance?

Have you tried Progressive or Geico?

No I have not found anything for homeowners insurance. I have tried both Progressive and Geico.

[NITC]

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.

After they dropped you...what insurance did you get?

[Unregistered]

Um

You do know that homeowner's insurance doesn't cover running a daycare from your home, right? You need separate liability insurance for this.

[LysesKids]

You do know that homeowner's insurance doesn't cover running a daycare from your home, right? You need separate liability insurance for this.

True, but State Farm will cover a legally running childcare home for liability up to 6 children (provided you ask & pay for the extra coverage)... been using them for many years , no issues. I just bundled my home, auto & daycare liability & they let me pay monthly

[BumbleBee]

You do know that homeowner's insurance doesn't cover running a daycare from your home, right? You need separate liability insurance for this.

Yes I do know and do have separate liability insurance for the daycare. The issue was when the homeowner's insurance was aware of the daycare, they refused coverage regardless of the separate liability insurance for the daycare.

[BumbleBee]

After they dropped you...what insurance did you get?

Allstate.