Hi there, sorry to hear that you're having some adventures - very stressful I'm sure. =) When I first started my home daycare I was covered by my already existing homeowners insurance policy. My insurance company was Allstate. I notified them that I would be running a daycare from my home, and I opted to increase my liability coverage from 1 million to 2 million. It was an annual increase of 10 dollars - negligable and it bought me major peace of mind. =) Once my business grew and I wanted to care for more children (under Allstate I was only allowed to care for three daycare babies) I had to find a new provider. I ultimately wound up choosing State Farm, and my annual premiums are (roughly) 600 dollars more per year than I would pay if I was just a regular homeowner. So I really need to make sure that I always have four, full time kids - otherwise it's tough to justify the extra expense. Neither Allstate or State Farm asked what I was billing parents for childcare - and I'm not sure why you're being asked that question. Did anyone explain why they need to know this information ? Hope this post helps somewhat, and good luck with everything ! =)