I had the same question last month when we closed. We still have our house in MI, and also have an umbrella policy. State Farm, in MI, will include the FL address, not insured with State Farm, if we carry 100K or more of liability on the house in FL, which is a no brainer. So, in summary, my umbrella policy in MI covers my address here. We are snowbirds, NOT full time, and I am sure that impacts this.
Hope this helps
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