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. |
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. |
I am so sorry to hear that.
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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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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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Originally Posted by Unregistered: |
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:eek:
Any luck OP? |
Are you looking for homeowners? We have a manufactured home and go through foremost.
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Originally Posted by midaycare: |
Originally Posted by LysesKids: |
In Michigan, Ryan can get you group insurance. https://agents.farmers.com/mi/sagina...m_medium=Local
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Originally Posted by mommyneedsadayoff: |
Originally Posted by lovemykidstoo: |
Originally Posted by lovemykidstoo: |
Originally Posted by midaycare: |
For 12 you have to get separate daycare and homeowners.
My daycare insurance is through Assured Child Care Insurance. |
Originally Posted by Unregistered: Originally Posted by mommyneedsadayoff: Originally Posted by BumbleBee: 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. |
Originally Posted by 284878: Thanks for the info, I appreciate it. |
Originally Posted by BumbleBee: Have you tried Progressive or Geico? |
Originally Posted by 284878: |
Originally Posted by AmyKidsCo: |
Um
You do know that homeowner's insurance doesn't cover running a daycare from your home, right? You need separate liability insurance for this.
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Originally Posted by Unregistered: |
Originally Posted by Unregistered: |
Originally Posted by NITC: |
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