Insurance saga....

[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!