Insurance saga....

[Spixie33]

Oh and do you know what else really blows my mind and makes me scratch my head?

I am now insured basically for only 3 dck under my policy since they are counting my two kids as liability kids for a total of 5.

But which 3 of my DCKs are they covering?

And they won't let me cancel off the insurance on the daycare because they said it is mandatory to have it when they know a daycare is operating out of the home but yet they can't give me the coverage I need.

I wish at this point I could cancel it and save my $100 of daycare insurance a year. It is useless anyhow

[cfred]

I am now insured basically for only 3 dck under my policy since they are counting my two kids as liability kids for a total of 5.

But which 3 of my DCKs are they covering?

I would suspect that the insurance doesn't cover 'specific' children. I think what would happen, in the case of a claim, that there would be no coverage for any of the kids if you're over the number they've specified within their restrictions. If you have more kids than their coverage permits on site at the time of an incident, I would assume that they will not honour a claim because there were too many kids to begin with, putting you in breach. I'm not an insurance expert by any stretch of the imagination, that's just my assumption.

I'm with Wawanessa and pay around $86/mo for home and daycare insurance. I asked her repeatedly if this covers me fully for all 5 daycare children and she said yes, but insurance companies are tricky little buggers. My kids are all older now, so I don't have to worry about that aspect, thank goodness!