T&T: : Full Time Cruiser or Livaboard?

[Ownyacht at aol.com]

In my case I am not concerned with telling the truth. My policy is  mute 
(except for lay ups) about livaboard or full time cruisering just  as long as I 
get my 'butt" out of their defined hurricane zone certain  times of the year. 
 
I no longer own a shore residence because of the landlord issue. My  personal 
property and my umbrella are provided by USAA where I have always had  my 
coverages, including my boat until recently. Their General Agency boat  carrier 
was Markel who decided not to cover windstorm in Florida when I  wanted to 
renew and go down to Florida. 
 
So, my question remains: Why time spent  somewhere?



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