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Old 10-21-2019, 11:29 AM   #1
Bus Crazy
 
Join Date: Nov 2016
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Use a FL address to easily get insurance during conversion

Branched off from my general (not state specific) "HowTo find an agent" thread.

http://www.skoolie.net/forums/f18/ho...ate-28907.html

Quote:
Originally Posted by cofrari View Post
We live in CT, but also have a house in Lake Mary, FL. When I called Good Sam (National General), they told me that if I chose to use the FL address, that they would be able to cover the bus during it's conversion phase for 1-year, and then switch it over to an RV policy once it was converted. I would try them if I were you. We ended up going with a CT policy for now with Allstate, so I don't know how it would have all played out. But if I was in FL the majority of the year, I would have gone with them. And this was just a month ago, so this isn't old information.
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Old 10-21-2019, 11:39 AM   #2
Bus Crazy
 
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The issue of legal domicile can be complex, depending on your current legal residence, income / tax level, dependence on state-level social services etc.

I am not a lawyer, don't even play one on TV.

https://www.escapees.com/the-issue-of-domicile

https://www.escapees.com/education/domicile

https://www.escapees.com/establishin...cile-for-rvers

https://www.escapees.com/education/domicile/florida

https://www.escapees.com/florida-a-place-to-call-home
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Old 10-21-2019, 11:43 AM   #3
Bus Crazy
 
Join Date: Nov 2016
Posts: 1,116
Another service

St. Brendan's Isle

just as good, maybe better

http://www.cruisersforum.com/forums/...tc-208306.html

http://www.cruisersforum.com/forums/...ng-212146.html
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Old 10-21-2019, 11:49 AM   #4
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Join Date: May 2009
Location: Columbus Ohio
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Year: 1991
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that original thread.. florida was a real pain to imsure with.. well a real pain with dual residency.. I own a house in ohio and havea ohio driver license.. but when it came to florida to get parking permits, insurance, etc. they really really want you to make florida your main residency..



wierd because florida has a HUGE number of dual residents.. snowbirds..



for insurance purposes the Malibu car I kept down at my apartment was more exoensive by a lot to "garage" there vs "garaging" it at my ohio address and every now and then I drove it to ohio just because...



many insurance companies will ask you the garaged address of a vehicle.. and if you own property or have a resident address (a real one).. then I see no issues in grabbing insurance on that address...
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Old 10-21-2019, 11:53 AM   #5
Bus Crazy
 
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Texas and South Dakota are other possibilites, but off topic here, let's keep this thread to Florida, and the general concepts, HowTo advice etc.

Note you **not** need to (try to) actually move your official "residential" legal domicile to these services.

If your prospective insurance provider accepts a "mail forwarding only" service address as your "vehicle is garaged at" address, IOW it is not blackballed by their data entry software.

The other factor is, what state is the vehicle registered?

Ideally would be the same state as the "garaged at" address, in this case Florida.

Second choice IMO would be the VT one, since mail order is common there.

If you are remaining domiciled in your current state, then that of course is an option.

The issue of "fraudulent intent" may arise if you ever need to actually claim. I would advise getting a sympathetic agent experienced in DIY conversions, and being 100% honest about your situation and intention.

The most straightforward case is everything consolidatd in one state at one service, and actually nomading full-time at no fixed address.
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Old 10-21-2019, 11:59 AM   #6
Bus Crazy
 
Join Date: Nov 2016
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Quote:
Originally Posted by cadillackid View Post
many insurance companies will ask you the garaged address of a vehicle.. and if you own property or have a resident address (a real one).. then I see no issues in grabbing insurance on that address...
Yes of course, sorry should have been more clear.

A trustworthy stable friend or family member who lives in a "conversion insurance friendly" state is also a better option than what's outlined here.

This thread is for those who

do not own real estate, or

**cannot** get reasonable insurance with their car garaged in their "real" state where they may own property

and do not have friends or family that would be OK letting you use their property as the garaging address.
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Old 11-13-2019, 09:10 AM   #7
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Join Date: Feb 2017
Posts: 53
Hey thx for the info!�� just got off phone with National General they will insure my bus with it being registered in NJ and garaged in FL for $281 yr however, conversion must be complete!
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