How Do I Establish a Home Base

2gypsies wrote:
(Quote by tinner12002: I was told by one insur company, SF, that per FL law they couldn't insure my rv if I was living in it full time... )

That's not because of Florida, it's State Farm's problem with insuring full-timers. You need to try other companies that specialize in full-timers.

Ditto. The insurance companies you used for your S&B may not be the ones used for full timing.

Check Miller Insurance. They are agents who sell for a lot of companies. They also sell "umbrella" liability insurance which you should get when you full time.

(Quote by tinner12002: I was told by one insur company, SF, that per FL law they couldn't insure my rv if I was living in it full time... )

That's not because of Florida, it's State Farm's problem with insuring full-timers. You need to try other companies that specialize in full-timers.

Bumpyroad wrote:

TechWriter wrote:

We Cant Wait wrote:
Most full timers use 1 of these 3 states, S.D, Tx, Fl. reasons being, taxes, existing mail forwarding services, vehicle licensing/inspection requirements.

If you're a full timer under 65 who needs to purchase health care, SD and TX are two of the worst domicile states.

so what are the best ?
bumpy

I was told by one insur company, SF, that per FL law they couldn't insure my rv if I was living in it full time...

Bumpyroad wrote:

TechWriter wrote:

We Cant Wait wrote:
Most full timers use 1 of these 3 states, S.D, Tx, Fl. reasons being, taxes, existing mail forwarding services, vehicle licensing/inspection requirements.

If you're a full timer under 65 who needs to purchase health care, SD and TX are two of the worst domicile states.

so what are the best ?
bumpy

If you're under 65 and you have to purchase your own health care, then I'd start with the states that have BCBS PPO plans in this list of 15 states.

After that, look at taxes, fees, and obligations (like yearly vehicle emission tests).

To me, at first blush, of these 15 states, FL, NV, and AL look very good.

Give this lady a call, she has all the answers. Our domicile is SD she made everything very easy to make this happen. NO State income tax!!!!!

Terri Lund
My Dakota Address
110 E. Center St.
Madison, SD 57042
www.mydakotaaddress.com
Phone: 605-427-5863
Fax: 605-427-9626

TechWriter wrote:

We Cant Wait wrote:
Most full timers use 1 of these 3 states, S.D, Tx, Fl. reasons being, taxes, existing mail forwarding services, vehicle licensing/inspection requirements.

If you're a full timer under 65 who needs to purchase health care, SD and TX are two of the worst domicile states.

so what are the best ?
bumpy

We Cant Wait wrote:
Most full timers use 1 of these 3 states, S.D, Tx, Fl. reasons being, taxes, existing mail forwarding services, vehicle licensing/inspection requirements.

If you're a full timer under 65 who needs to purchase health care, SD and TX are two of the worst domicile states.

Avan,
Thank you very much for the information. That was very helpful.

Learn how to preform a online web search.
Example Creating a Domicile, RV domicile, Where should I domicile.

Think you are confusing terms. A home base would be a place where you return from time to time. Maybe a home rv park that you particularly like to escape winter cold. Perhaps a place where lots of friends and relatives are and where you maybe store your extra goodies in a storage locker etc. It may or may not have anything to do with your domicile.

Domicile is a place which you claim as "home". You may go there from time to time or you may never go there. It is the address that you use for obtaining your drivers license and vehicle plates. It is the address that you give to your ins. company. It is the address you use for voting etc. For many full timers, it will be a mail drop box and some favorite states are SD, TX, FL and some others. These states impose no state income tax. The authorities accept a comm'l mail box # and address for D/L purposes and do not impose difficult restrictions on declaring their state as "home" or "domicile state".

So one could be a resident of (domicile in), say, SD, setting foot in SD once to get their D/L (you can do your plates and everything else by mail) while considering Aunt Tillie's house in some other state, or a Florida RV park as home base.

The point being, you can pick your domicile wherever it please you and wherever the services are easily available without regard to where you might eventually like to permanently put down your new roots. In other words, your wish to eventually settle in ID has nothing to do with the state you now pick as you full timer domicile state. There's a pretty good reason why some states are not favorites for full timers. Why make it hard on yourself?