Help...Homeowners Insurance Policy!!!

[busymommy0420]

****UPDATE****

I went through New England Insurance Services Inc. they were able to write me a new home owners policy and I purchased a separate daycare insurance policy as well with them. It was around $500 more a year total but having the piece of mind is worth it. There website is below if anyone is looking for daycare coverage for an in-home daycare. happyface

~B

http://www.neisinc.com/

[saved4always]

My husband got my daycare added to our Allstate homeowners policy, I believe. This thread reminds me...I should make sure he had that part cancelled now that I work away from our home at a center.

[lovemykidstoo]

Really? I have FB for my homeowners and they wouldn't insure me unless I had 6 kids total enrolled[/B] Even though I have only 6 at a time I have more than that enrolled. My FB agent set me up with another insurer for DC-otherwise they would have dropped me once they found out about the daycare.

I might have to call my guy back and have him check with his higher ups!

edit!
oops I didn't read carefully! Sorry! And I can't delete the post! I have CSAC for daycare too, $390/year.

LOL, I just saw your post. We're pretty close to each other in price then.

[daycarediva]

I am also in NY and my insurance agent just dropped the business liability (and almost my homeowner's, had a certain time frame to get separate insurance) so I would call and ask IF you got separate liability insurance would they still cover the house, and then go from there.

I went with https://assurechildcare.hayscompanies.com/

If not, I would call a TON of agents to get quotes on both coverages. Good luck!!!

[Familycare71]

I just called my agent for my home owners insurance to add an umbrella policy for my in home daycare and they stated the company I have my policy does NOT do that and now that they know I have a daycare they are going to cancel my policy. I am a licensed daycare, able to watch up to 8 children in New York State. What am I going to do? We own our 2400 sq ft home and HAVE to have home owners insurance. Please help me! Who else has a policy with a home daycare?

I have Allstate in NYS and they have a daycare rider... I am working on getting a desperate policy for my family daycare and it is running me about $500 per year-

[Familycare71]

I don't know what area you are in ny but if you want pm me and I can give you my agents name . I am in upstate

[DaisyMamma]

I just called my agent for my home owners insurance to add an umbrella policy for my in home daycare and they stated the company I have my policy does NOT do that and now that they know I have a daycare they are going to cancel my policy. I am a licensed daycare, able to watch up to 8 children in New York State. What am I going to do? We own our 2400 sq ft home and HAVE to have home owners insurance. Please help me! Who else has a policy with a home daycare?

I didn't read tide other posts.
I have Statefarm and they cover my daycare on a 1m policy, which alltogether costs less than my old policy with no daycare coverage.

[MarinaVanessa]

I have State Farm (in CA) and I just had to add a rider to my policy which they provide. The only thing is that they only cover up to 6 kids which worked for me anyway because I have 2 kids of my own and my license is for 8 kids so it works out. I know that some states are different but it's worth a try to get quotes to ALL of your local insurance agencies, online insurance companies as well as daycare specific insurance companies in order to make sure you get the best price.

[Unregistered]

I just called my agent for my home owners insurance to add an umbrella policy for my in home daycare and they stated the company I have my policy does NOT do that and now that they know I have a daycare they are going to cancel my policy. I am a licensed daycare, able to watch up to 8 children in New York State. What am I going to do? We own our 2400 sq ft home and HAVE to have home owners insurance. Please help me! Who else has a policy with a home daycare?

Daycare/Business is excluded in most regular homeowner policies. SOME companies in a few states may offer an endorsement (rider) which is separate from your overall policy. I know where I work now, we do NOT offer any type of commercial business/small business OR daycare insurance rider. You could get a special liability policy just for daycare (I think the one I used, it might have been called DC ins services but I haven't been doing daycare in a while and was $344 per year but keep in mind this was the latest price back in 2010) and then fax proof of insurance to your current company. That may be enough for them to not choose to non-renew you. I don't believe it's customary for insurance companies to simply drop you until your current term expires and you are renewing, so you should have some time to get the paperwork together if they do not offer a rider (which it sounds like they don't).

[MaryM]

Try finding insurance that will cover a daycare in OKLAHOMA of all places! . #tornadoalley. 👎👎👎

[Memc2001]

Missouri homeowners

I have no additional homeowners insurance. Licensed for 10 kids, too.
I looked into it years ago and apparently being a child care provider in MO is a bad thing. I operate under an LLC but that is about the only protection I have. I was unable to find a company that would cover me that wasn't astronomical.
Any suggestions would be helpful.

[Blackcat31]

Try finding insurance that will cover a daycare in OKLAHOMA of all places! . #tornadoalley. ������

I have no additional homeowners insurance. Licensed for 10 kids, too.
I looked into it years ago and apparently being a child care provider in MO is a bad thing. I operate under an LLC but that is about the only protection I have. I was unable to find a company that would cover me that wasn't astronomical.
Any suggestions would be helpful.

This site offers Liability insurance in BOTH OK and MO for pretty competitive rates. You can pay monthly or all at once. The rate is dependent on the number of kids you have in care and/or your license status.

http://www.assurechildcare.com/child-care-insurance-quote.html

Hope that helps.

[MaryM]

This site offers Liability insurance in BOTH OK and MO for pretty competitive rates. You can pay monthly or all at once. The rate is dependent on the number of kids you have in care and/or your license status.

http://www.assurechildcare.com/child-care-insurance-quote.html

Hope that helps.

Thanks BC! I actually have liability through State Farm, but trying to find homeowners insurance that will cover my house since having a daycare is ridiculous! It's either 1. WAY expensive if you even find one, or 2. They will only cover you for a certain # of kids-which is always less than what the state says I can keep, which is max 7 with 2 under 2yrs.

I have Safeco currently, but just had a rate increase. (About $200/yr more) So, now the house payment goes up.

[Liz Downs]

We are a woman-owned insurance agency that underwrites in-home child care liability coverage and in some states, homeowners coverage for individuals who care for children in their home.

We happen to write in the State of NY.

Give us a call, maybe we can help you.

Liz Downs
New England Insurance Services, Inc.
(888) 845-8288 x 108

[LysesKids]

I have State Farm now with only 4 kids, however when I first started in 2000, I was licensed in another state for 7 kids and they covered me; the point is you have to be running legally for them to cover you. BTW, I live in a Manufactured home and did back in 2000 also, so it doesn't need to be stick built to qualify (I bought new both times, so that might have helped)