When you say they don't cover 12 kids, do you mean that they won't accept you if you have 12 kids? Since you have liability insurance, you don't need your homeowner's insurance to cover any portion of your daycare liability. They would just be covering the actual home in the event that something happens. If you let them know that you have liability insurance already, many homeowners insurance companies will write you a policy and just request a certificate of liability insurance.

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