If you own houses in two different counties such as Hillsborough & Citrus, can you have your auto insurance policy through either county?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 21, 2013

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Insurance Question from Carrollwood, FL

Asked on 10/21/2013

If you own houses in two different counties such as Hillsborough & Citrus, can you have your auto insurance policy through either county? If I own homes in two county's, which one am I required to carry or buy the auto insurance coverage in?

Answer given on October 24, 2013

Your car insurance should be written in the county where you spend most of your time. If you have two homes in different areas, the cost of the insurance could well be different in the two areas.Most insurance companies will not try to confirm where you actually live. You can get estimates from both addresses and obtain insurance according to the best rate. However, be aware that the insurance company may want to send the bill to the address you are showing as your residence. They may not really pay attention to the mailing address, but if there is an issue, they could research.If you are going to shop the insurance around, do not use the same agent, and try to use a different insurance company, unless you are getting the quotes online. The company, or agent, may question why you are using different addresses for the quotes.It is possible that there is no major difference in the costs in the two areas, so it may not be an issue while getting your quotes.

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