Does Your Homeowners’ Insurance Still Cover You?


The surprising answer for many family child care providers is “probably not.”

Homeowners’ insurance is personal insurance and is not meant to cover risks associated with caring for children.

Homeowners’ insurance covers three basic things:

1) your house

2) the contents of your home, and

3) some personal liability protection.

When you start using your home for your family child care business, you may lose some of this insurance protection you once had. This can come as a shock when you make a claim against your homeowner’s insurance policy and find out you aren’t covered!

This is the beginning of an article I’ve posted on The article explains what you need to do to be sure you are covered by your homeowner’s insurance policy. is a community for family child care providers and parents that offers a wide variety of resources including recipes, a blog, and a newsletter.  It serves as a clearing house for many online resources (children’s activities, training opportunities, equipment, and more). was created by Minute Menu to offer free assistance that will help the family child care community grow.

Tom Copeland –

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Legal & InsuranceFor more information about homeowner’s insurance and other insurance policies that affect your business, see my book Family Child Care Legal & Insurance Guide.

Categories: Insurance, Legal & Insurance

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2 replies

  1. Thanks for sharing this blogs.When you begin victimization your home for your family kid care business, you will lose a number of this insurance protection you once had. this may come back as a shock once you create a claim against your homeowner’s policy and resolve you are not covered!

  2. GOOD article,went with good topic.

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