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  #1  
Old 05-18-2017, 04:37 PM
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Default Insurance Is Dropping Me

It's a long story, and one that wasn't my fault (agent f'd up), but the short version is I'll be without homeowners insurance as of August of this year. I'll write the whole story later, right now I'm just p*ssed off.

So the basic facts right now:

State: Michigan

License: Group Home, up to 12 children

Home type: Manufactured home

If anybody in Michigan has a manufactured home and runs a home daycare, please either respond to this thread or PM me. I've been on the phone for the better part of the week and I'm hitting a dead end.

The issue is it's a manufactured home, if it was stick built it wouldn't be a problem, but it's not. So that's where I'm at.
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  #2  
Old 05-18-2017, 08:35 PM
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I'm so sorry! I hope you can find good insurance quickly!

Ours dropped us a couple of years ago because of "too many" claims and the same company dropped my FCC friend because of a bigger claim for tornado damage.

Insurance companies stink.
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  #3  
Old 05-18-2017, 08:45 PM
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I am so sorry to hear that.
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  #4  
Old 05-19-2017, 05:19 AM
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Where are you in Michigan? My husband has a friend that owns a Farm Bureau agency in Saginaw. I can ask him if they would do insurance. You're looking for homeowners and also daycare?
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  #5  
Old 05-25-2017, 09:38 AM
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Default Farmers ins.

The only company I know that insures for 12 kids is farmers, they are high but the only company that will insure with lic for 12. I have searched for more over the years and none exist.
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  #6  
Old 05-25-2017, 06:31 PM
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Quote:
Originally Posted by Unregistered View Post
The only company I know that insures for 12 kids is farmers, they are high but the only company that will insure with lic for 12. I have searched for more over the years and none exist.
That's the company I gave you the number for BumbleBee. Did you reach Ryan?
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  #7  
Old 06-09-2017, 10:21 AM
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I'm going to need to up my license in MI from 6 to 12 soon. I have State Farm. I hope they still insure me

Any luck OP?
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Old 06-09-2017, 10:26 AM
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Are you looking for homeowners? We have a manufactured home and go through foremost.
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  #9  
Old 06-09-2017, 10:52 AM
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Quote:
Originally Posted by midaycare View Post
I'm going to need to up my license in MI from 6 to 12 soon. I have State Farm. I hope they still insure me

Any luck OP?
State Farm limits it to 6 from what I have learned - I've been insured thru them in 4 states now... I tried to up it in another state, but nope.
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  #10  
Old 06-09-2017, 11:50 AM
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Quote:
Originally Posted by LysesKids View Post
State Farm limits it to 6 from what I have learned - I've been insured thru them in 4 states now... I tried to up it in another state, but nope.
Yeah, I just heard back from them. Limited to 6, boo!
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Old 06-09-2017, 05:35 PM
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In Michigan, Ryan can get you group insurance. https://agents.farmers.com/mi/sagina...m_medium=Local
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  #12  
Old 06-09-2017, 06:21 PM
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Quote:
Originally Posted by mommyneedsadayoff View Post
Are you looking for homeowners? We have a manufactured home and go through foremost.
Foremost said no for me. Not sure if it's the license for 12 or what but it was a definite no.
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  #13  
Old 06-09-2017, 06:22 PM
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Quote:
Originally Posted by lovemykidstoo View Post
That's the company I gave you the number for BumbleBee. Did you reach Ryan?
Honestly I haven't made any calls in 2 weeks. I have his number, I will call him. Last 2 weeks of school were crazy after crazy. Haven't had any quiet time to make a call. May just email him instead.
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  #14  
Old 06-09-2017, 07:32 PM
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Quote:
Originally Posted by lovemykidstoo View Post
In Michigan, Ryan can get you group insurance. https://agents.farmers.com/mi/sagina...m_medium=Local
Thank you! I will be calling in about 6 weeks
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  #15  
Old 06-13-2017, 10:14 AM
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Quote:
Originally Posted by midaycare View Post
Thank you! I will be calling in about 6 weeks
My husband used to work with him until my husband got a job at the hospital. He wrote my daycare license. I'll message my hubby's name to drop when you call him.
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  #16  
Old 06-21-2017, 03:39 PM
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For 12 you have to get separate daycare and homeowners.

My daycare insurance is through Assured Child Care Insurance.
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  #17  
Old 07-12-2017, 11:19 AM
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Quote:
Originally Posted by Unregistered View Post
The only company I know that insures for 12 kids is farmers, they are high but the only company that will insure with lic for 12. I have searched for more over the years and none exist.
Quote:
Originally Posted by mommyneedsadayoff View Post
Are you looking for homeowners? We have a manufactured home and go through foremost.
Quote:
Originally Posted by BumbleBee View Post
Foremost said no for me. Not sure if it's the license for 12 or what but it was a definite no.
Farmers owns Foremost, Foremost it is their mobile home insurance company.

Do you have a mobile home or Modular?

If you have a modular, do not call it a manufactured home, they do not always ask if it is a mobile home or modular home and will deny you because they do not do mobile homes. (This happened to my brother when he called back and said it was a Modular, he got a quote.)

If you can't find an insurance company directly, try an insurance agency and have them search for you. They can sometimes find companies that you would never think of calling.

I have Farm Bureau, family home up to 6. I left Liberty because they would not do more than 3 kids. State Farm was runner-up but was higher than FB. AAA will not talk to you if you have a daycare.
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  #18  
Old 07-12-2017, 04:32 PM
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Quote:
Originally Posted by 284878 View Post
Farmers owns Foremost, Foremost it is their mobile home insurance company.

Do you have a mobile home or Modular?

If you have a modular, do not call it a manufactured home, they do not always ask if it is a mobile home or modular home and will deny you because they do not do mobile homes. (This happened to my brother when he called back and said it was a Modular, he got a quote.)

If you can't find an insurance company directly, try an insurance agency and have them search for you. They can sometimes find companies that you would never think of calling.

I have Farm Bureau, family home up to 6. I left Liberty because they would not do more than 3 kids. State Farm was runner-up but was higher than FB. AAA will not talk to you if you have a daycare.
it's a manufactured home (mobile home). Has HUD plates. Wishing it was a modular at this point, or that I hadn't gotten licensed as a group home.

Thanks for the info, I appreciate it.
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  #19  
Old 07-12-2017, 07:33 PM
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Quote:
Originally Posted by BumbleBee View Post
it's a manufactured home (mobile home). Has HUD plates. Wishing it was a modular at this point, or that I hadn't gotten licensed as a group home.

Thanks for the info, I appreciate it.
At this point have you found any insurance?

Have you tried Progressive or Geico?
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  #20  
Old 07-12-2017, 07:58 PM
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Quote:
Originally Posted by 284878 View Post
At this point have you found any insurance?

Have you tried Progressive or Geico?
No I have not found anything for homeowners insurance. I have tried both Progressive and Geico.
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