Prior to moving to TV we had an umbrella policy in North Carolina. Once we changed our primary residence to Florida we were told we needed to purchase a new policy from a company licensed in this state. Since we still own property in NC we made sure that the new policy covers both houses, all cars, the RV and the golf cart. As previously stated by bimmertl you must have basic liability coverage on each home, car, etc. with minimum limits set by the carrier. All of our policies carry minimum 250/500/50 limits.
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