might not be able to
if you are going to be a FROG you had better check the fine print in your policy. You may be required to notify them of a change of address. This may even be true if you become a snowbird Florida resident.
You might think you are getting away with it for a year or two and then boom, suppose you file a big claim and they investigate residency (and they do these things), and then possibly your policy is voided and your claim denied because you failed to comply with the policy rules. I wouldn't want to take that chance.
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