POLICY TO BE CANCELLED.
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UPDATED: Nov 25, 2016
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Insurance Question from Cartersburg, IN
Asked on 11/25/2016
POLICY TO BE CANCELLED. MY WIFE AND I HAVE FOSTER CHILDREN IN OUR HOME. WE HAD ONE CHILD SEVERAL YEARS AGO THAT CAUSED OVER $6000 DAMAGE. I ASKED MY AGENT IF HE HAD ANY INSURANCE RIDERS THAT COULD BE ADDED TO MY POLICY TO COVER ANY FUTURE INCIDENTS. I WAS TOLD THAT THEY HAD A "CHILD CARE IN THE HOME" RIDER AND HE WOULD SIGNED ME UP FOR IT.RECENTLY STATE FARM SENT ME A LETTER THAT MY POLICY WOULD BE CANCELLED IN 30 DAYS BECAUSE THEY DID NOT HAVE ANY INFORMATION ON MY DAY CARE IN THE HOME. I CALLED MY AGENT AND TOLD HIM AGAIN THAT IT WAS FOSTER CARE. THE QUESION I HAVE IS CAN I BE CANCELLED FOR HAVING F. CHILD?
Answer given on November 27, 2016
There should be no restrictions on your homeowner policy for having foster children. Apparently your insurance agent misunderstood when you asked about riders for incidents involving a foster child.The homeowner policy provides protection for you, the homeowner, if your child intentionally causes injuries or damages if the child is under 13. If the child is older then intentional acts have limited coverage for you under the policy. There is no rider available to purchase if an older child causes injuries or damages to other people’s property.Contact your insurance agent and explain the children in your household are not from day care but are foster children. Ask that the agent contact your insurance company and have them remove the cancellation notice since you do not run a day care center in your home. Once the situation is cleared up your policy should be reinstated and no further action should be required by you.
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