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-   -   Homeowners Insurance!!! (https://www.daycare.com/forum/showthread.php?t=69679)

mountainside13 03-19-2014 06:03 PM

Homeowners Insurance!!!
 
As most of you know we will be closing on our house shortly! I have contacted 3 different companies for homeowners insurance but since I run an income daycare I keep getting declined insurance! I told them that I have separate daycare insurance but that doesn't make a difference to them. I don't want to keep calling insurance companies and having the do a soft pull if they can't help me. I have asked before if they accept In home providers but they say they can't tell me until they have all my information. :confused: Who do you use for homeowners insurance?

jenboo 03-19-2014 06:28 PM

Mortgage insurance? Like PMI? or homeowners? When we bought our house, we didn't pick a mortgage insurance company...it just came with the loan i guess haha.

itlw8 03-19-2014 06:40 PM

PMI came with our loan If you mean homeowners ins try State Farm they cover people with family childcares and even do childcare ins.

sahm1225 03-19-2014 08:23 PM

We have Allstate.

MyAngels 03-20-2014 05:32 AM

We have state farm.

CraftyMom 03-20-2014 05:43 AM

Probably a silly question, but what about your current insurance company? Or maybe you're currently renting?

mountainside13 03-20-2014 05:51 AM

I did it again! Homeowners insurance!! Can an mod correct the title for me? I keep calling it mortgage insurance, yes I do mean homeowners insurance, which could be why I wasn't getting correct results. Feeling really dumb!

We are currently renting.

melilley 03-20-2014 05:58 AM

We have All state as well. They offer liability for your dc as long as you have homeowners insurance through them.

CraftyMom 03-20-2014 06:09 AM

When I opened my daycare our home owner's insurance dropped us, even if I found a different company for daycare insurance, they wouldn't cover us if there was a daycare in the home.

I called MANY other companies and this seemed to be the case everywhere I looked. I did an online search and found a few companies specific to my state that allowed a home daycare. I don't remember now what I searched exactly but it was something like "home daycare insurance in MA".

I was also referred to AllState and State Farm but they did not provide coverage in MA at the time.

We ended up with MA Underwriters.

CraftyMom 03-20-2014 06:16 AM

Try here:
http://insuranceexpress.com/home-insurance

It's one of those searches where you enter what you are looking for and several companies that match will call you.

jenboo 03-20-2014 06:38 AM

I have american family insurance. You can add into your regular policy for the daycare or get a much better separate daycare policy through them.

Blackcat31 03-20-2014 06:38 AM

NAFCC (National Association for Family Child Care) Insurance Directory

Insurance Companies A-L

http://nafcc.org/index.php?option=co...203&Itemid=203

Insurance Companies M-Z

http://nafcc.org/index.php?option=co...204&Itemid=204

mountainside13 03-20-2014 06:53 AM

Thank you so much for all the help!

Thank you Blackcat for fixing my silly mistake! :)


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