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HappyEverAfter 05:00 PM 10-09-2017
I am with State Farm in TN and couldn't get coverage for my daycare added to my homeowners policy because I am license exempt and they would only add coverage if I obtained a license. They didn't threaten to cancel my homeowners but just wouldn't cover my daycare. Finally found separate liability coverage from Next Insurance for about $40 per month. You could always try to get a new homeowners policy that doesn't have daycare coverage and then find a separate daycare policy.
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