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  #1  
Old 10-04-2012, 10:56 AM
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Default Daycare Insurance

Does anyone mind sharing what their monthly (or yearly) premium is for Daycare insurance in their home?
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Old 10-04-2012, 11:42 AM
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I need to renew mine, but i paid about 300 a year through Thomco. Its really quite inexpensive.
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Old 10-04-2012, 12:37 PM
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I am fortunate that mine is thrown in with my house insurance. It stipulates 5 children in daycare on the contract but other than that no premiums. My house insurance is 80$ a month, though.
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Old 10-04-2012, 12:51 PM
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I pay $544 yearly for $1,000,000/$3,000,000 liability coverage.

I am insured as group family care.
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Old 10-04-2012, 12:55 PM
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Quote:
Originally Posted by Blackcat31 View Post
I pay $544 yearly for $1,000,000/$3,000,000 liability coverage.

I am insured as group family care.
holy cow BC.. I have the same and I pay triple of what you pay.....good old sue happy califronia!!!
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Old 10-04-2012, 01:02 PM
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Originally Posted by daycare View Post
holy cow BC.. I have the same and I pay triple of what you pay.....good old sue happy califronia!!!
I looked on my carrier's site and for the same liability coverage as I have, in California, you would pay $1168...which IS odd since it is for the same coverage amounts and the same amount of children as I have.
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Old 10-04-2012, 02:27 PM
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Thanks for sharing! I am just trying to get an idea of what is out there
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Old 10-04-2012, 02:42 PM
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I think mine is $580 for $1,000,000/$3,000,000. It was more because I have an above the ground pool (daycare kids don't use)
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Old 10-04-2012, 02:52 PM
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I pay $290 through State Farm for $1,000,000
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Old 10-04-2012, 03:01 PM
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Quote:
Originally Posted by Blackcat31 View Post
I looked on my carrier's site and for the same liability coverage as I have, in California, you would pay $1168...which IS odd since it is for the same coverage amounts and the same amount of children as I have.
everything in this state really cost and arm and a leg.............
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Old 10-04-2012, 05:24 PM
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Default Question?

OK, don't laugh at me...but do I need to have insurance for the daycare?

I'm able to keep up to 12 kids at once.

What does the insurance cover?

Thnaks
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Old 10-04-2012, 05:27 PM
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Quote:
Originally Posted by Blackcat31 View Post
I pay $544 yearly for $1,000,000/$3,000,000 liability coverage.

I am insured as group family care.
Wow! Who is your carrier? I live in Texas.
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Old 10-04-2012, 06:58 PM
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Quote:
Originally Posted by frugalmama4 View Post
OK, don't laugh at me...but do I need to have insurance for the daycare?

I'm able to keep up to 12 kids at once.

What does the insurance cover?

Thnaks
it is a sure way to lose your house if "God Forbid" something goes wrong and you don't have it. It would be deductible from your taxes so I don't see why you wouldn't have it.
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