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MarinaVanessa 09:46 AM 04-10-2012
I have State Farm and have a rider on my homeowner's insurance specifically for family child care. I don't pay nearly that much though for a $500,000 policy. I think it varies on when you sign on for it and probably demographics. I pay $396 a year for my homeowner's insurance and that includes my rider and I like it better than DCI because your vehicles are still covered (and the children inside of them) if you use your vehicles for DC as long as your cars are also insured by State Farm. DCI charges you more for this extra covergage. Maybe I also pay less because we have multiple policies with them (3 cars, 2 quads, 4 life, homeowner's). DCI also pays up to $20,000 for medical expenses per child and my rider pays $50,000.

I've never been sued and havn't heard of anyone that I know or even someone in general (through the grapevine) of being sued but it's always better to be safe than sorry.
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