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LysesKids 08:39 PM 07-28-2015
Originally Posted by busymommy0420:
I just called my agent for my home owners insurance to add an umbrella policy for my in home daycare and they stated the company I have my policy does NOT do that and now that they know I have a daycare they are going to cancel my policy. I am a licensed daycare, able to watch up to 8 children in New York State. What am I going to do? We own our 2400 sq ft home and HAVE to have home owners insurance. Please help me! Who else has a policy with a home daycare?
State Farm covers me as long as I am running legal by state law... I used them when I first started in WV 15 years ago, however they put me thru the ringer when I tried to make a claim back in FEB due to an ice/deepfreeze storm. Sucks because I had a 1000 deductible, when for 3 more a month (yes just $3) I could have cut my deductible in half & the claim would have gone thru... now I have to wait a year to drop the deductible even though it was a ZERO claim because they didn't allow my hotel stay - my home was less than 20 degrees for 4 days so I had to close (no electric), so essentially they told me my hotel stay to stay alive wasn't covered, yet had I stayed in the home & died from freezing they would have paid out my life insurance ( crazy huh)
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