For those relying on a ryder on their home insurance make sure you check the policy as it comes in. Got the renewal for our home insurance from cooperators and the daycare ryder has been dropped entirely - no notice, no message, no info on the form just not there. The ryder for my felt business is still there - I had two home based packages and they were different prices so I know which is still there. Not getting good info from of course. But just wanted to warn those that think they have it to be prepared when they are getting close to renewel.