My house is with co-operators and they cover the five daycare kids. No idea on the over 10 age group as it doesn't apply so never asked. We have our van with them too but since I don't transport the kids there is nothing special added to it.

Allstate which we used to have would only cover 3 daycare kids. At the time our house and auto was with them but I had a group policy through CCPRN so didn't matter but that was dropped so we changed companies. At that time only Cooperators and State Farm covered all 5 kids not including the caregiver's own kids. Not sure about now.