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Insurance for homeschoolers

Health coverage for kids, liability cover for co-ops and microschools, and what charters require from vendors, with public prices where we could find them.

Checked 2026-10-23. We don't sell insurance and get nothing from these companies. Prices are what each source publishes and can change.

Health coverage for homeschooled kids

Coverage depends on income and residency, not on how your child is schooled.
Medi-Cal: children under 19 qualify for full-scope Medi-Cal with household income up to 266% of the federal poverty level, whatever their immigration status. DHCS, Medi-Cal for All Children; DHCS income chart
Covered California is for people who don't qualify for Medi-Cal. Financial help depends on income. Covered California 2026 FPL chart; Covered California, Medi-Cal
Student accident plans (which pay toward injury bills) are usually sold through a school, district or group. For example, K&K offers a California K-12 student accident program through participating schools. We found no public San Diego price. Ask your charter or PSP if they offer one. K&K K-12 student accident
Many youth sports leagues include accident coverage in the registration fee (AYSO, for example). Ask your league.

Liability insurance for co-ops and microschools

No law requires a homeschool group to carry liability insurance, but churches, community centers and parks often ask for proof of it before you can use their space. Homeowner's policies often won't cover group activities.
Insurance Canopy (homeschool groups): from $229 a year ($21.08 a month). Includes general and professional liability; abuse/molestation, equipment and cyber cover are add-ons. Split five ways, that's about $46 per family. Insurance Canopy, Oct 2025
NCG / Home School Insurance Solutions (Classical Conversations communities): $1M per occurrence, $3M aggregate general liability, $25,000 excess accident medical, and abuse/molestation cover. Minimum premium $400 a year. NCG program highlights, updated June 2026
Microschools with a paid teacher or drop-off care are a bigger risk. Get quotes for general liability ($1M/$2M is the common minimum), abuse/molestation, and professional liability. If you have employees, workers' comp is required by law.
HSLDA is not insurance. It's a homeschool legal-defense membership at $150 a year ($135 for eligible military, first responders, pastors and missionaries). HSLDA membership FAQ

Do vendors need insurance to be paid by charters?

Yes. Every charter we checked requires business liability insurance before it will pay a vendor:

Sage Oak: service providers need proof of business liability insurance, a DOJ LiveScan clearance (or ORI number) for every instructor, a W-9 and a business license. Product sellers need general liability with an additional-insured endorsement. Sage Oak notes that homeowner's policies don't cover paid commercial activity. Payment is by purchase order only, within 30 days of invoice. Sage Oak provider FAQ
Pacific Coast Academy: a certificate of liability insurance, a W-9 and a vendor agreement, plus annual mandated-reporter training. PCA pays only against an "Enrichment Certificate" (its purchase order), net 30, and never in advance. PCA educational vendors
The usual limits: $1,000,000 per occurrence / $2,000,000 aggregate, with the charter named as additional insured. Some also ask for $500,000 personal and advertising injury. These figures come from published policies at other California homeschool charters. Connecting Waters vendor policy; Sequoia Grove community partners