Same thing happened to me. I was shopping around for new home insurance and as soon as I mentioned day care, the quote quadrupled!! I opted for a separate liability policy with Adults and Child Alliance. I think it was $300 for the year for up to 6 children with $1M/$3M coverage. According to their literature, they are rated A++.
Originally Posted by SaborStyle:
Be careful when asking your home owners insurance about the daycare. I got myself in trouble now because I asked them and they said they don't cover it and they are going to call back before it renews and if we are running a daycare out of our home we may get dropped.
I have AMICA.. it is very good, but that kinda sucks.
Is there anyway to find a rating system for daycare insurance? I want to see if any of the companies listed here are actually reputable.