No, "any" misrepresentation will not result in a denial of a claim. It has to be a material one that would have caused the insurance company to never issue the policy. If that's the case, the carrier rescinds the policy from the inception date and returns all premiums.
So lets say there is a household member who's license was suspended fro DWI and insured lied on app that no person in the household has had such an infraction. That's a material misrepresentation. Policy could be rescinded.
If you say you only drive car 6,000 miles a year and get into the best rating class for lowest premiums and carrier finds out you actually log 12,000 miles a year, you'll get your premiums raised but won't be cancelled or have claims denied.
If you are in Florida 9 months a year your policy conditions aren't prefaced upon Floridia's financial liability laws. The normal policy conditions apply and they'll handle any claims on their merits. Only thing that may be lacking would be the $10,000 in required PIP benefits, which aren't typically written in non no-fault states. Many policies automatically role on mandatory FR limits for their insureds involved in out of state losses. So that may also happen.
Can't imagine a carrier denying a claim because you car was garaged in Florida versus the state of issuance. Risk hasn't increased and there is no policy language stating car must be garaged in state of issuance. I guess if you garage your car in Miami versus Fargo, North Dakota for a few months there is an increase in risk, but they can always adjust the premiums for that, but denial of claim would be tough to do.
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