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Okay.

One more question then. Are you going to be living in the house or just running the day care from it?

If YOU don't live there, you aren't an in-home day care because it's not in YOUR...

I was thinking the two who live in house were her own.

I think we are reading this differently.

You seem to think she is sharing home with home owner, looking after owner's children and taking in more.

I think she's just renting a house and...

Some carer here have rental home which they run daycare from. They have daycare insurance add to tenants insurance.

Try Wawanesa or TD Insurance. They seem okay with renters.