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Branson N Tucson

Texas

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Posted: 09/29/19 09:37am Link  |  Quote  |  Print  |  Notify Moderator

We have been going to Yuma Az for 10 years now. We have in the past put our 2nd car at home in the garage. In the past we changed the policy on it to storage insurance. My question is why Can't I just cancel the insurance on it and place it back on my policy when return back home. Thus saving money for 6 months. The car will not be moved while gone. My home owners insurance would cover the contents of the house if any thing happen.

Our home is in Tennessee.

sch911

Rochester Hills, MI

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Posted: 09/29/19 09:42am Link  |  Quote  |  Print  |  Notify Moderator

As long as you own it outright you can. But check with your homeowners policy to make sure it's covered for fire/theft when in the garage. If you still have a bank lien on it, the bank will likely insist you keep auto insurance on it.


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Ozlander

Rose Hill, Kansas

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Posted: 09/29/19 09:46am Link  |  Quote  |  Print  |  Notify Moderator

If you can afford to go to Yuma, you can afford auto insurance.


Ozlander

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dougrainer

Carrolton, Texas

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Posted: 09/29/19 09:52am Link  |  Quote  |  Print  |  Notify Moderator

Simple. Homeowners Policy's EXCLUDE Automobiles. Automobiles/Boats/RV's MUST have their own insurance to be covered at a residential location. Just call your Insurance Agent and he will verify this. Doug

MWJones

Texas

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Posted: 09/29/19 09:57am Link  |  Quote  |  Print  |  Notify Moderator

My question is: Why ask people on an internet forum an insurance question INSTEAD of asking your Insurance agent !!!!!


M Jones
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1968mooney

Fl.

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Posted: 09/29/19 10:22am Link  |  Quote  |  Print  |  Notify Moderator

MWJones wrote:

My question is: Why ask people on an internet forum an insurance question INSTEAD of asking your Insurance agent !!!!!


Reason is the Agent will tell you facts. Sometimes people do not want facts because it's not the answer they want. Ask it on the forum and you will get many answers, many of which are not factual but are the answers you WANT TO HEAR. [emoticon]

pianotuna

Regina, SK, Canada

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Posted: 09/29/19 10:23am Link  |  Quote  |  Print  |  Notify Moderator

I drop my plate insurance and purchase an insurance policy. It saves me about $150 per month, for 4 months. Well worth the effort.


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Dutch_12078

Winters south, summers north

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Posted: 09/29/19 10:25am Link  |  Quote  |  Print  |  Notify Moderator

I don't know about TN, but in NY you would have to turn in the registration plates before you would be allowed to cancel the insurance.


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Alan_Hepburn

San Jose, Ca, USA

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Posted: 09/29/19 10:50am Link  |  Quote  |  Print  |  Notify Moderator

In California as soon as you drop the insurance your insurance company will notify the DMV, who in turn will revoke the registration on the vehicle. Then, when you return you will need to go to the DMV and pay to get the registration reactivated. this CAN mean that you might be paying twice for a single year's worth of registration, which the State will like...


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DownTheAvenue

Sunny South

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Posted: 09/29/19 11:31am Link  |  Quote  |  Print  |  Notify Moderator

First, homeowner's insurance will not cover the automobile. So if it were stolen or lost in a fire, wind, or other peril, you would be without coverage. If you are making payments on the vehicle, the lien holder will require you to maintain insurance on it to cover their lien. They don't care about liability just property coverage. Most states require you to maintain liability insurance or file forms to suspend or cancel the registration.

While your plan sounds good, it is not workable. If you carry more than the minimum liability coverage on the vehicle (and you should), you could reduce it the minimums to save money while stored. That way everyone is happy except the insurance company.

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