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-   -   Homeowners Insurance in Florida (https://www.daycare.com/forum/showthread.php?t=91411)

Luciemouse 02-28-2019 11:35 AM

Homeowners Insurance in Florida
 
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 04-25-2019 07:01 PM

Originally Posted by 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?

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


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