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MarinaVanessa 01:59 PM 06-09-2010
I have State Farm Homeowners insurance and had to add a rider but it wasn't nearly as much as either of yours. I am covered for $300,000 for up to 6 kids and pay only an additional $75 a year. It probably has to do with the fact that we have home, 3 cars, a motorcycle, life policies etc. all with them. But even then now I've learned to feel lucky that I don't pay over $500 a year like others do. But in any case it's totally necessary. Better to pay $500 a year than to risk loosing your home over a serious accident in daycare.
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