Maybe my husband misunderstood him (he was on the phone with him), but he made it sound like it was going to be $1000 more per year. when you called to arrange your insurance id you actually say "I'm opening a home daycare?". When we called, my husband discussed with the gentleman that I was thinking of opening a home daycare and was looking into insurance. He said that I need to forward all of my qualifications and fill out an application but it was looking to be about $1000/year. Seems too much!!!