Do you need auto insurance if you own a house in Florida?

Answer 1

I may not understand you question completely. Auto insurance really has nothing to do with owning a house. Your auto insurance is to be purchased in the state where you reside. If you live elsewhere for part of the year you always need to make sure your insurer is aware of the situation and where you are at the time. This doesn't mean you have to notify the company for a week long vacation. I have had athletes and such who lived part-time in other states which complicates issues for some insurance companies and can effect you and your service. For instance some companies operate in one or two states or on a regional basis while others are nationwide. For companies that operate on a limited basis it's fine unless you have an accident in an area where they don't have claims adjusters, attorneys to represent you in the event of a suit, etc. The insurance company will always make it work by hiring independent adjusters and such but it always costs them more and may be slower service for you. For full disclosure, I own and operate a small Independent Insurance Agency in Georgia and have for the past 22 years. I also worked for a direct writer for the 3 years before that.