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Daycare Center and Family Home Forum>Homeowners Insurance!!!
mountainside13 06:03 PM 03-19-2014
As most of you know we will be closing on our house shortly! I have contacted 3 different companies for homeowners insurance but since I run an income daycare I keep getting declined insurance! I told them that I have separate daycare insurance but that doesn't make a difference to them. I don't want to keep calling insurance companies and having the do a soft pull if they can't help me. I have asked before if they accept In home providers but they say they can't tell me until they have all my information. Who do you use for homeowners insurance?
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jenboo 06:28 PM 03-19-2014
Mortgage insurance? Like PMI? or homeowners? When we bought our house, we didn't pick a mortgage insurance company...it just came with the loan i guess haha.
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itlw8 06:40 PM 03-19-2014
PMI came with our loan If you mean homeowners ins try State Farm they cover people with family childcares and even do childcare ins.
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sahm1225 08:23 PM 03-19-2014
We have Allstate.
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MyAngels 05:32 AM 03-20-2014
We have state farm.
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CraftyMom 05:43 AM 03-20-2014
Probably a silly question, but what about your current insurance company? Or maybe you're currently renting?
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mountainside13 05:51 AM 03-20-2014
I did it again! Homeowners insurance!! Can an mod correct the title for me? I keep calling it mortgage insurance, yes I do mean homeowners insurance, which could be why I wasn't getting correct results. Feeling really dumb!

We are currently renting.
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melilley 05:58 AM 03-20-2014
We have All state as well. They offer liability for your dc as long as you have homeowners insurance through them.
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CraftyMom 06:09 AM 03-20-2014
When I opened my daycare our home owner's insurance dropped us, even if I found a different company for daycare insurance, they wouldn't cover us if there was a daycare in the home.

I called MANY other companies and this seemed to be the case everywhere I looked. I did an online search and found a few companies specific to my state that allowed a home daycare. I don't remember now what I searched exactly but it was something like "home daycare insurance in MA".

I was also referred to AllState and State Farm but they did not provide coverage in MA at the time.

We ended up with MA Underwriters.
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CraftyMom 06:16 AM 03-20-2014
Try here:
http://insuranceexpress.com/home-insurance

It's one of those searches where you enter what you are looking for and several companies that match will call you.
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jenboo 06:38 AM 03-20-2014
I have american family insurance. You can add into your regular policy for the daycare or get a much better separate daycare policy through them.
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Blackcat31 06:38 AM 03-20-2014
NAFCC (National Association for Family Child Care) Insurance Directory

Insurance Companies A-L

http://nafcc.org/index.php?option=co...203&Itemid=203

Insurance Companies M-Z

http://nafcc.org/index.php?option=co...204&Itemid=204
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mountainside13 06:53 AM 03-20-2014
Thank you so much for all the help!

Thank you Blackcat for fixing my silly mistake!
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Tags:homeowners insurance, this is annoying
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