Insurance in Ontario (Toronto to be specific)

[Busy ECE mommy]

When I first called around years ago, State Farm would cover for 6 kids, but I was told I had to include my own in the total. Most companies only offer a ryder on the home policy. Wawanesa will offer a higher level of insurance, but will charge about $1200 higher than a regular home policy.

[Lee-Bee]

When I first called around years ago, State Farm would cover for 6 kids, but I was told I had to include my own in the total. Most companies only offer a ryder on the home policy. Wawanesa will offer a higher level of insurance, but will charge about $1200 higher than a regular home policy.

Pretty sure we are still with Wawanesa, though we don't pay more than the other companies as my husband does call around and price check yearly. Wawanesa did come out and do a home inspection and checked out the daycare, the children and asked me questions about my education and all that. I just called our insurance broker and informed her of each new child starting so she always had our current number. I only paid for daycare children and not my own. I don't know why you would have to pay for your own child. Isn't the point of the daycare coverage incase a daycare child gets injured and sues you? I won't sue myself if my child gets injured...and my child and I are covered under the regular insurance.