Homeowners Insurance in Florida

[Luciemouse]

I am a licensed family child care provider and just found out that my home insurance company is dropping me because I run a daycare out of my home. I am licensed for 12 children and the insurance company will only cover my home if I care for 4 children or less. They wouldn’t even cover me despite having liability insurance. Has anyone encountered this problem in Florida?

[LysesKids]

I am a licensed family child care provider and just found out that my home insurance company is dropping me because I run a daycare out of my home. I am licensed for 12 children and the insurance company will only cover my home if I care for 4 children or less. They wouldn’t even cover me despite having liability insurance. Has anyone encountered this problem in Florida?

It happens in all states; only home provider I know will cover is State Farm& even then they limit to 6 kids as long as you run legal in your state. 12 kids would require commercial daycare insurance in every state from what I have read