Daycare.com Forum
Daycare Insurance>Insurance Is Dropping Me
BumbleBee 04:37 PM 05-18-2017
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.
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.
AmyKidsCo 08:35 PM 05-18-2017
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.
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.
CityGarden 08:45 PM 05-18-2017
I am so sorry to hear that.
lovemykidstoo 05:19 AM 05-19-2017
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?
NITC 12:59 AM 01-10-2018
Originally Posted by AmyKidsCo:
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.
After they dropped you...what insurance did you get?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.
BumbleBee 06:49 PM 03-17-2018
Originally Posted by NITC:
After they dropped you...what insurance did you get?
Allstate.After they dropped you...what insurance did you get?
Unregistered 09:38 AM 05-25-2017
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.
lovemykidstoo 06:31 PM 05-25-2017
Originally Posted by Unregistered:
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?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.
midaycare 10:21 AM 06-09-2017
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?
Any luck OP?
mommyneedsadayoff 10:26 AM 06-09-2017
Are you looking for homeowners? We have a manufactured home and go through foremost.
BumbleBee 06:21 PM 06-09-2017
Originally Posted by mommyneedsadayoff:
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.Are you looking for homeowners? We have a manufactured home and go through foremost.
LysesKids 10:52 AM 06-09-2017
Originally Posted by midaycare:
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.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?
midaycare 11:50 AM 06-09-2017
Originally Posted by LysesKids:
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!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.
BumbleBee 06:22 PM 06-09-2017
Originally Posted by lovemykidstoo:
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.That's the company I gave you the number for BumbleBee. Did you reach Ryan?
Unregistered 01:08 PM 03-17-2018
You do know that homeowner's insurance doesn't cover running a daycare from your home, right? You need separate liability insurance for this.
LysesKids 05:31 PM 03-17-2018
Originally Posted by Unregistered:
You do know that homeowner's insurance doesn't cover running a daycare from your home, right? You need separate liability insurance for this.
True, but State Farm will cover a legally running childcare home for liability up to 6 children (provided you ask & pay for the extra coverage)... been using them for many years , no issues. I just bundled my home, auto & daycare liability & they let me pay monthlyYou do know that homeowner's insurance doesn't cover running a daycare from your home, right? You need separate liability insurance for this.
BumbleBee 06:47 PM 03-17-2018
Originally Posted by Unregistered:
You do know that homeowner's insurance doesn't cover running a daycare from your home, right? You need separate liability insurance for this.
Yes I do know and do have separate liability insurance for the daycare. The issue was when the homeowner's insurance was aware of the daycare, they refused coverage regardless of the separate liability insurance for the daycare.You do know that homeowner's insurance doesn't cover running a daycare from your home, right? You need separate liability insurance for this.