I just moved into a home in a county in Florida where the auto insurance is very expensive. I keep an RV on a site in another county where I rent a space all year. When I lived in the RV while my house was being built, my auto insurance was much cheaper. My home is insured with State Farm and my insurance agent says if I were to claim the truck that pulls my RV (much less my sedan) were based in the county where the insurance is cheaper, their underwriters would assume I am NOT occupying my house and drop my policy. Insurance on a house in Florida is VERY hard to get these days, so that is a messy problem.
However, my agent also says that keeping my auto insurance with State Farm is not a necessary condition for retaining my home insurance. So, it seems like I should consider finding another insurer for the vehicles (and hopefully save about 40%) giving up the discount for multiline coverage (both home and auto, which is 12% of auto cost).
It seems like I should be able to park the truck (at least) at the RV (it doesn't fit in my garage and has little use except to pull the RV), claim the RV as my residence (as I did while my house was being built), use that address (I have mail service at the RV park), and get the lower rate. I use the RV as a second home when it is parked, spending many (>60) days there. I could even put the vehicles in my wife's name and have her keep her official address and voting records there.
Now, my questions: from whom can I get an unbiased answer about the wisdom of this? Is it likely that insurance companies would take the time to match addresses of husband and wife and see that we each claim a different address as home? And if they did find the discrepancy, would they care? It seems like only if a claim is made would we likely to be questioned about this. Does anyone see how they could wiggle out of paying?
Does it seem to risky to ask a State Farm agent in another county? Does it seem likely I'll get an unbiased answer from an agent from another company who doesn't know SF policies and hopes to get my business?
Thanks for any clues.
Poocher
However, my agent also says that keeping my auto insurance with State Farm is not a necessary condition for retaining my home insurance. So, it seems like I should consider finding another insurer for the vehicles (and hopefully save about 40%) giving up the discount for multiline coverage (both home and auto, which is 12% of auto cost).
It seems like I should be able to park the truck (at least) at the RV (it doesn't fit in my garage and has little use except to pull the RV), claim the RV as my residence (as I did while my house was being built), use that address (I have mail service at the RV park), and get the lower rate. I use the RV as a second home when it is parked, spending many (>60) days there. I could even put the vehicles in my wife's name and have her keep her official address and voting records there.
Now, my questions: from whom can I get an unbiased answer about the wisdom of this? Is it likely that insurance companies would take the time to match addresses of husband and wife and see that we each claim a different address as home? And if they did find the discrepancy, would they care? It seems like only if a claim is made would we likely to be questioned about this. Does anyone see how they could wiggle out of paying?
Does it seem to risky to ask a State Farm agent in another county? Does it seem likely I'll get an unbiased answer from an agent from another company who doesn't know SF policies and hopes to get my business?
Thanks for any clues.
Poocher