Daycare.com Forum

Go Back   Daycare.com Forum > Daycare Insurance

Daycare Insurance Discuss your insurance and liability concerns here.

Reply
 
Thread Tools Display Modes
  #1  
Old 04-05-2017, 12:19 PM
Unregistered
Guest
 
Posts: n/a
Default Homeowner's Insurance Texas

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?
Reply With Quote
  #2  
Old 04-05-2017, 08:23 PM
LysesKids's Avatar
LysesKids LysesKids is online now
Daycare.com Member
 
Join Date: May 2014
Location: Tennessee
Posts: 1,862
Default

Quote:
Originally Posted by Unregistered View Post
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.
Reply With Quote
  #3  
Old 04-07-2017, 09:44 AM
Daycare Insurance's Avatar
Daycare Insurance Daycare Insurance is online now
Daycare.com Media Member
 
Join Date: Jun 2014
Location: Encino, California
Posts: 78
Default

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.
Reply With Quote
  #4  
Old 04-08-2017, 03:54 PM
Unregistered
Guest
 
Posts: n/a
Default

What I am hearing is that they will not cover my home with me running an in home childcare with 12 kids.

I finally found one who would for $2800 a year, but now my home loan brokers says that it's too high and could cause the lender to back out upon closer examination. This has been insane.
Reply With Quote
  #5  
Old 04-08-2017, 03:59 PM
Unregistered
Guest
 
Posts: n/a
Default

Quote:
Originally Posted by Daycare Insurance View Post
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.
Can you tell me who those companies are? So far only that one company has agreed to do it and that fee covers only my home, it excludes any daycare liability. At $2800 a year. I would be very grateful if you could direct me towards a company who would charge a normal rate. I just want to get the loan. My liability coverage is the best I could find. I used to have DCI until you stopped insuring in Texas.
Reply With Quote
  #6  
Old 04-08-2017, 04:00 PM
Unregistered
Guest
 
Posts: n/a
Default

Quote:
Originally Posted by LysesKids View Post
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.
Do you care for more than 6? I never transport either btw.
Reply With Quote
Reply

Thread Tools
Display Modes

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Homeowners Insurance Cozy_Kids_Childcare Daycare Insurance 17 08-17-2016 08:19 PM
Homeowners and Automobile Insurance for In-Home Providers LizDowns Daycare Center and Family Home Forum 4 05-05-2016 11:25 AM
Help...Homeowners Insurance Policy!!! busymommy0420 Daycare Center and Family Home Forum 32 07-28-2015 08:39 PM
Homeowners Insurance!!! mountainside13 Daycare Center and Family Home Forum 12 03-20-2014 06:53 AM
States That Don't Allow Liability Insurance Affidavits MarinaVanessa Daycare Insurance 7 07-08-2013 04:11 AM


All times are GMT -7. The time now is 12:06 AM.



Daycare.com         Find A Daycare         List Your Daycare         Toys & Products                 About Us

Daycare.com
Please read our Disclaimer before continuing.

Topics pertain mainly to the following States:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming