Finding the right insurance provider for your home cleaning business can be challenging, but it's important to ensure that you have adequate coverage to protect yourself and your clients. The cost of insurance can vary based on several factors, including the size of your business, the services you offer, and your location. Here are some steps you can take to find an insurance provider that offers affordable coverage:

1. Research and compare providers: Start by researching different insurance providers online. Look for companies that specialize in small businesses or home-based businesses. Read reviews and compare their coverage options, pricing, and customer service.

2. Consider industry-specific providers: Some insurance companies specialize in providing coverage for specific industries, such as cleaning businesses. These providers may have a better understanding of the risks and needs of your business, which can result in more tailored coverage and potentially lower premiums.

3. Seek recommendations: Reach out to other home cleaning business owners or local business associations for recommendations on insurance providers. They may be able to provide insights into their experiences and help you find a suitable provider.

4. Request quotes: Contact multiple insurance providers to request quotes based on your specific business needs. Provide accurate information about your business, including the size of your operation, the services you offer, and any additional risks you may have (e.g., using certain cleaning products or handling delicate items). This will help the providers give you more accurate quotes.

5. Compare coverage and exclusions: When reviewing the quotes, carefully compare the coverage and exclusions offered by each provider. Ensure that the policies cover common risks associated with your business, such as property damage, liability claims, and theft. Be cautious of policies with significant exclusions or limitations, as they may not provide adequate protection.

6. Consider bundling policies: Some insurance providers offer discounts if you bundle multiple policies, such as general liability insurance, property insurance, and workers' compensation insurance. Bundling can help reduce your overall insurance costs.

7. Evaluate deductibles and limits: Pay attention to the deductibles and coverage limits offered by each provider. While higher deductibles can lower your premiums, make sure you can comfortably afford the deductible in case of a claim. Similarly, ensure that the coverage limits are sufficient to protect your business in the event of a significant loss.

8. Seek advice from an insurance broker: If you're having trouble finding affordable coverage on your own, consider working with an insurance broker who specializes in small businesses. They can help you navigate the insurance market, negotiate better rates, and find suitable coverage options.

Remember that the quotes you've received so far may not accurately reflect the average cost for home cleaning business insurance in your area. Factors such as the size of your business, the number of employees, and the specific services you offer can significantly impact your premiums. Therefore, it's crucial to provide detailed information about your business when requesting quotes.

Lastly, keep in mind that while it's important to find affordable insurance, it's equally important to ensure that you have adequate coverage to protect your business and clients. Cheaper policies may have significant coverage gaps or exclusions, which can leave you vulnerable in case of a claim.