So I’m shopping around for homeowners insurance. I told one company’s agent that I’m away on ships/training most of the year. (Honest answer, right?)
She tells me that because I don’t live in my home more than six months a year I can’t claim it as a full time residence. I’ll need to buy landlord insurance. (This costs about 20% more.) But as some stuff in the house won’t be covered by landlord insurance I’ll also need renter’s insurance.
I point out that I’m not renting from myself. I’m living there when I’m not away for work. She points out that it would be insurance fraud to buy homeowner’s insurance for a temporary residence.
I had a good laugh. Both logical and ridiculous. Has this happened to anyone else?