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About Explorer01

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    Full Member

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  • Location
    West Virginia
  • Interests
    Exploring, hiking, camping, reading, bird-watching

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  1. OK - thanks Biker56 and rm.w/aview. I appreciate your responses! There are always trade-offs between locations!
  2. Hi all - I have checked around and wanted to be sure the figure for full-time RV trailer and truck insurance (Bushnell, FL) is in the ball-park... it seems high but I'm getting pretty consistent figures so far, around $1800 per year for a 2016 Ford F150 and a 2018 Lance 21 ft trailer - good driver, no violations, clean record, own outright, one driver... Anybody think this is completely off base?
  3. How much time should I spend in new domicile state?

    I just circled back to review posts that I had not reviewed before, and I want to again thank all of you for responding. I have since moved my domicile to Florida (via Escapees!) and am now finished with my recent temporary job in the eastern US. I am in a transitional mode in terms of housing, as I sold my travel trailer and am shopping for a new one, and staying with family in the meantime. Thanks to your input, I have a better understanding and will take a common sense approach to the FL domicile. Whether I visit and stay in FL at all, I will remain aware of how much time I spend in one place or another.
  4. Tallahassee, FL as domicile?

    FYI - As far as my original post goes (using Traveling Mailbox or UPS for mail forwarding...) Following an intense discussion with a person at the county tax collection office, I ended up moving my domicile and mail forwarding to Bushnell and joining the Escapees. When I called the tax collection office to ensure they'd allow the documents that I had in hand (bank statements & phone bill) they said that they would not accept these. They wanted actual utility setup documentation for a place of residence. When I asked how other full-time RV people set up their domicile in Florida, the person said that full-time RV people list a campground as a residence. The person said (several times) that the goal was to keep me legal with respect to the state regulations. After that, I felt uncomfortable with using a mail-forwarding without more backing like Escapees.
  5. Volunteering in ND State Parks?

    Wow - that is impressive! It's what I want to do... become familiar with places - their people, culture and natural surroundings.
  6. Insurance issue - won't underwrite?

    I can see why people with expensive rigs need full-timer's insurance, but I have a very inexpensive setup (Ford F150 plus 16 foot trailer, no solar or anything.) Plus I'm living in provided housing part of the year and just store it on site (wildlife refuges.) Perhaps I'm missing something?
  7. Insurance issue - won't underwrite?

    Thanks, all. I appreciate your help!
  8. Insurance issue - won't underwrite?

    No, I am not planning on it (although I haven't committed to a service yet.)
  9. I've been trying to obtain auto and trailer insurance quotes for my move to a Florida domicile... I'm asking for quotes in two locations. My current policy is with State Farm, so I tried them first. One SF office said they would not underwrite somebody using a mail forwarding address (I had not told them I was using a mail forwarding address) so I asked a State Farm office in the other mail forwarding location and have not yet heard back from them - and I explained my scenario (domicile in Florida, use mail forwarding, live in trailer and/or volunteer and live in wildlife refuge or park housing.) I have also asked about "RV" insurance from American Adventures - it was much higher, especially for my trailer. I realize it covers more, but my situation is pretty simple. Very small trailer, regular Ford F150... Has anybody had issues finding coverage using a mail forwarding address? I also feel uncomfortable answering questions about where I will "garage" my vehicle as I don't plan to "garage it." Am I missing something? I have entered my info into www.rverinsurance.com and never heard a word. I'm afraid to start a mail forwarding service until I know I can get insurance. But I need to know that I can get insurance to get a driver's license.
  10. How much time should I spend in new domicile state?

    Thanks, all! Great information.
  11. How much time should I spend in new domicile state?

    There are a couple of issues that I need to work through for myself. These articles scared me just a bit about doing the domicile move. https://www.escapees.com/articles-and-blogs/entry/simplifying-the-complex-issue-of-domicile-law "You need to spend time in the state and take other steps indicating that you really do intend to be there on a regular basis and you intend to make it home." And another: https://www.escapees.com/articles-and-blogs/entry/domicile-revisited-back-to-the-basics "For a great many RVers, not all of their worldly possessions will fit in their RVs. Subsequently, they either donate personal property, sell it, give it to friends or family or they store it somewhere. Storing personal property creates a rebuttable presumption that the RVers will return to claim their property, even when they store the items in the garage of a loved one. This is a rebuttable presumption—meaning RVers can overcome this presumption. However, it takes more evidence to establish a cogent, believable argument as to why those possessions are outside their state/county of domicile." I need to think about where to store what meager belongings remain to me and where to store them. As of now, they are in the basement of a loved one - in another state.
  12. I am still researching domicile options and have a couple of questions: How much time should I spend in my new domicile state, in general? A day or two, week or two or a couple of months each year? Or must I even visit every year? I read some scary articles on the Escapees site about domicile issues. Does you have any idea how often people get into legal issues over domicile (people who don't own houses in other states)? Are there any reasons, beyond registration renewal and/or driver's license renewals, to have to go back for anything, other than to maintain the appearance of being domiciled? Anything annual or otherwise regular? Just trying to determine whether I'd need to domicile near a larger airport or not. Thanks!
  13. Tallahassee, FL as domicile?

    Thanks, Matt. Right now Leon County is less than all of the others I have checked this morning. Yesterday, I was not looking closely enough at comparable policies. Here are the estimates for one income: Leon County - BlueOptions 1419 $177 Sumter County - BlueSelect 1452 $207 Brevard County - BlueSelect 1452 $288 https://mbaileygroup.com/blog/difference-between-blue-care-blue-options-blue-select/ The Leon County policy is the better policy and at lower price (for my age, $177 vs $207 right now.) So prices for Sumter County are more in line with line with Leon than I initially thought. Right now I guess I'm not a normal full time RVer. I have a very small trailer and am just completing a multi-month job where I opted to rent a room (fantastic housemate!) for most of my stay and just parked my trailer for free on the grounds. However, I don't know if I'll work next year or just volunteer. My trailer is too small for absolute full-timing, but I hesitate to go larger until I have a better idea of what I want to do. It'll all work out! I'm new to this - recently quit a corporate job. In the meantime, I'm learning a lot.
  14. Tallahassee, FL as domicile?

    I am so glad I posted the question! Thanks, Kirk, for finding the price differential for Traveling Mailbox. I had to click multiple times to find that additional amount. Yes, healthcare with ACA varies a lot by county. A cursory check: The healthcare plan would be $500 - 600 more per year for Brevard County (but this can and will change, I expect. I understand they'll know more about pricing for 2018 in Nov., but my current policy/job runs out at the end of October.) It's interesting - the % difference varies depending on how much income I plug in. Naturally, I don't know how much or if I'll work any next year, so it's a total guess as to what to plug in. The Mailroom service (quick glance at the one I found quickly for Merritt Island) is 180/yr, 145 for 6 mo and 90 for 3 mo. I have more research to do. I don't really plan on hanging out in FL at all, but ease of access would be fairly important.
  15. Tallahassee, FL as domicile?

    Thanks, but my question is really about whether there are any cons to Tallahassee as a domicile. I'm not really asking for other options for mail forwarding - I've looked at those but Leon County is better for me for healthcare.