Foster Home Insurance

Foster Home Insurance

Foster Home Insurance

Learn what kind of coverage you need as a Foster Home. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Foster Home. Ready for a quote? We'll help protect your practice quickly and simply.

Learn what kind of coverage you need as a Foster Home. Ready for a quote? We'll help protect your practice quickly and simply.

Backed by 20+ years’ experience

Save up to 35% on premiums

Partnership with top carriers

We partner with 100+ insurance companies you can count on.

Why Does a Foster Home Need Insurance?

Caring for children in your home comes with real responsibility and real risk. Insurance helps protect you when accidents happen, allegations arise, or a property issue disrupts placements. It also supports licensing and contracting requirements.

What Does Foster Home Insurance Cover?

It can cover injury claims, allegations of negligence, damage to your home and belongings from covered losses, and legal defense costs. Coverage can also extend to vehicles used for transport and certain staff or volunteers.

A child is injured during normal daily activity

A fall from a bunk bed leads to an ER visit. The child’s representative alleges unsafe conditions and seeks medical costs and damages. Coverage may help with defense and settlement.
A fall from a bunk bed leads to an ER visit. The child’s representative alleges unsafe conditions and seeks medical costs and damages. Coverage may help with defense and settlement.

An allegation triggers an investigation

A complaint claims improper supervision during an outing. Even if unfounded, you may need legal guidance and a response to protect your license and reputation.
A complaint claims improper supervision during an outing. Even if unfounded, you may need legal guidance and a response to protect your license and reputation.

A home incident disrupts care

A kitchen fire causes smoke damage and forces temporary relocation. Property coverage can help repair the home, replace essentials, and get you back to providing care.
A kitchen fire causes smoke damage and forces temporary relocation. Property coverage can help repair the home, replace essentials, and get you back to providing care.

Foster Home Insurance Made Simple

Everything you need to know about protecting your business, from coverage basics to real-world scenarios.

Is foster home insurance different from regular homeowners insurance?

Often, yes. A standard homeowners policy is built for personal use, not licensed caregiving. Depending on how your foster home is set up, you may need endorsements or a specialised policy that recognises foster care activities, higher liability exposure, and any agency or county requirements.

What insurance do California foster homes typically need?

Does insurance cover allegations even if nothing is proven?

What if a foster child damages my home or belongings?

Do I need coverage if I only provide respite care?

How do quotes work for foster home insurance?

Is foster home insurance different from regular homeowners insurance?

Often, yes. A standard homeowners policy is built for personal use, not licensed caregiving. Depending on how your foster home is set up, you may need endorsements or a specialised policy that recognises foster care activities, higher liability exposure, and any agency or county requirements.

What insurance do California foster homes typically need?

Does insurance cover allegations even if nothing is proven?

What if a foster child damages my home or belongings?

Do I need coverage if I only provide respite care?

How do quotes work for foster home insurance?

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.

Protect your business now.

Quote in less than 5 minutes.

Insurance solutions built exclusively for businesses, boards, and communities.

© 2026 GritStone Agency Inc. All rights reserved.