HowTo find insurance for your state

[John61CT]

Most important point:

** every state is different! **

Best to find an agent experienced with DIY conversions vans trailers etc.

Just calling into the insurance companies yourself is unlikely to get an optimum result.

Do **not** mention fulltiming, look / sound / act like a regular wage-slave citizen as much as possible, not a dropout expecting bureaucracy to accommodate a nomadic lifestyle.

Find the "looking for insurance" thread that mentions your state, otherwise start your own.

"Looking for insurance agent in NY New York"

Specify what type you are looking for, comprehensive, agreed-value vs market value

vs liability only, actual protection or just state minimum

plus any other relevant details.

For comprehensive, try to find a "negotiated value" policy. Receipts and a well documented build thread with lots of photos can help support your proposed amount.

Otherwise, just liability plus a rider on a homeowner's or renters policy to cover contents is a very easy route that may suffice for many.

Skoolies.net is another good place to google for threads with agent reco's for your state.

Where the vehicle is "legally garaged" determines your jurisdiction, so if you find things difficult in your usual location, there are dozens of friendlier states to try.

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An example, excellent for both Georia and Tennessee

https://www.libertymutual.com/agent/patrick-moates

[email protected]

[John61CT]

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/establishing-domicile-for-rvers

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

https://www.escapees.com/florida-a-place-to-call-home

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Another service

St. Brendan's Isle

just as good, maybe better

http://www.cruisersforum.com/forums/f74/establishing-residency-via-st-brendans-isle-escapees-etc-208306.html

http://www.cruisersforum.com/forums/f74/how-to-deal-with-not-having-a-physical-address-while-cruising-212146.html

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Texas and South Dakota are other good possibilites.

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

As long 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, in 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 Vermont one, since registering by mail is allowed there, no inspection required.

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 consolidated in one state at one service, and if actually nomading full-time at no fixed address, ideally never visiting that state.

And of course, a trustworthy stable friend or family member who lives in a "conversion insurance friendly" state is a better option than using any commercial service.

That last option is for those who

do not own real estate in the target state, 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.

[John61CT]

Sorry if some of this on "legal residence" issues is duplicated, I'm copying and pasting from other threads to get all this consolidated in one place

Under the law, every citizen / resident has a domicile state for tax / legal purposes, that is not optional.

You should always control what that is yourself, and maintain a "permanent" or at least consistent residential address in the databases for those government agencies and financial industry service providers constantly trying to keep track of each of us.

Including DMV, Social Security, tax / benefit authorities, insurance providers (health, public or private, life, vehicle, renter's), banks, stock brokerages, credit reporting agencies etc.

Some people use mail forwarding services but many such organizations use address listing / blackball services to refuse your attempt to use this for your legal/domicile residential address.

Using these for a separate actual **mailing** address is no problem, does not even need to be in the same state, can be inconsistent across databases, change as often as you like.

Best for legal/domicile residential address

if you do not own or long-term rent any property

is to ask a trusted (and trusting) stable friend or family member to let you use their home address.

If you use a mail forwarding service as your mailing address with all those government agencies and service providers,

you can promise they will very rarely actually get any mail.

Ideally execute a lease say for a bedroom for you to show DMV and other ID providers, have some bills to show using your name at that address, get a passport, register to vote, get a library card etc.

Find out about voting via absentee ballot, obligation of every citizen IMO.

Get the necessary court-contact information for opting out of jury duty, or trying to anyway, some district are more difficult than others.

If you really have no one that will do this for you on a personal basis,

(besides looking at the fact that you have not lived your life properly, really, gotta start making changes, go to the trouble of maintaining at least a few strong personal relationships or you are very vulnerable in this world, unhealthy, less happy, statistically likely to die much earlier)

there are two commercial services I know of that can help, lawyers on call so they do it right.

St Brendan's Isle, highly recommended, your address becomes
411 Walnut Street #xxxxx; Green Cove Springs, FL 32043-3443

got the local government to set up a process via affidavit just get a form" Declaration of Domicle" notarized and mailed to the Clay County Controller, no need to actually go there.

The other is Escapees, offer both Florida and Texas as options.

High net worth people will want to get professional tax advice on all this of course, getting free of being domiciled in a high tax state can be a non-trivial exercise if you still have ties there.

If you're poor, then get a motel or campsite to execute a lease over a month, try use that for DMV and muddle along from there, but obviously the way the panopticon / combined corporate-government surveillance trend is going, that's likely to cause issues in the future.

If you use air travel get a passport now even for domestic, afaik all the RealID delay loopholes are closing in next year.

Carrying multiple government-issued photo IDs all to the same legal/domicile residential address, is a valuable resource, keep them current.

Also get your credit score high and keep it there, even if you are very low income, that is increasingly used for all kinds of things unrelated to debt, including employment, ability to rent, etc.

Finally, went way off topic there, the address where your vehicles are "garaged" does not need to be either of the above, but the legal/domicile residential address will be the most straightforward.

Some states get difficult registering to an out of state owner, but wealthy property owners have no such trouble, with a bit of research you can create a profile to match the sort of path they take.

Where there's a will there's a way.

[John61CT]

Excellent agent for Florida, representing Allstate for nearly 20 years now

Kelly Newsome

352-326-9300

[email protected]