How It Works
Tell us your home state and your winter destination state
See coverage options and registration requirements for your specific two-state situation
Get a quote that covers your snowbird situation cleanly. No obligation
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Frequently Asked Questions
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Liability minimums vary by state — Florida requires 10/20/10 while Michigan mandates unlimited PIP. If your summer state has higher limits than your winter state, your policy must meet the higher standard in both locations.
Comprehensive Coverage
Comprehensive covers non-collision damage like hail, falling objects, and animal strikes during your drive between states. Snowbirds filing claims in two states within 12 months may trigger carrier underwriting reviews.
Uninsured Motorist Coverage
Uninsured motorist rates range from 6% in Maine to 23% in Florida. If your winter state has higher uninsured rates than your summer home, your UM coverage should reflect the riskier location.
Full Coverage
Full coverage combines liability, collision, and comprehensive. Lenders require it if you're financing, and snowbirds benefit from protection in both states without needing separate policies for each vehicle registration.