Originally Posted by Unregistered:
I am a licensed daycare provider in Texas. In 22 years I have never had a serious injury, and I carry excellent liability insurance via Assure Childcare Insurance.
We are looking to buy a home soon, and I am having such a hard time finding homeowner's insurance that covers 12 kids. Can anyone in Texas point me towards an insurance company that provides homeowner's insurance for licensed (12 kids) in home childcare?
I have never come across a homeowners policy that would cover more than 6 kids and I have done childcare in 6 states (very few companies will cover child care at all regardless of renting or owning); even then you have to be running legal - I have always had State Farm and I do pay extra for the liability binder on the childcare. I also don't transport in my vehicle EVER because that cost is way too much for what I bring in.