Daycare Insurance

[bright sparks]

As soon as I read who your insurer is I contacted my broker. I'm with State Farm and they cover me for 5 children plus my own so I'm not sure what you are being told by the agent but it is incorrect. I have even had then show me the clause and exact wording in their insurance guide. Also the day nurseries act doesn't say anything about ratios pertaining to home daycare providers so not sure why they are saying this. I pay a flat rate of $250 a year. Keep in mind that not all insurers offer the same coverage so saving $100 a year may be the worst decision someone makes. For me it's the coverage that's inportant not the rate...within reason. I've had auto claims and a house claim with SF and they handled things better than I could have ever hoped for. Inexpensive is one thing but that doesn't effect the quality. Cheap isn't always good...unless it's a cute little birdy going "cheep cheep"