Could it be different by Province?
I know Miss torontokids said her Wawanesa let her have 5 kids plus own but I am PEI and mine says no more than 4 when it on my house insurance policy which has a $100 premium a year for day care. Long time ago may 8 year or longer we was allowed 6 on same arrangement. Now it just 4 - I went and relooked at papers to check but it says 4 clearly. It does not mention own children but mine grown up and gone now anyway.
It seems that Wawanesa has differences and maybe that is location so maybe State Farm too not same across country?
I like Wawanesa insurances. We used them for car and house and day care. When my son was 18 and lived here, he used them for his Car insure too. They were good when he bumped car in front - his fault - and then he did again 3 month later! But Wawanesa was good to deal with and fast to help and it was easy to make claims for young inexperience persons.