Most homeowner's insurances don't cover a daycare run at home but I have heard that some do. The best bet is to call your insurance cimpany and have them give you rates. I have State Farm in CA and I had to get a rider that only costs me an additional $75 a year and covers $300,000. There's different types of coverages depending on where you live and whether or not you are required to be registered or licensed or not. Call to check.

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