There are several liveaboards in this area, and the agent knew they were living aboard but did not ask. They did not tell. The questions on the application were asked and answered properly. Therefore if a claim arises in Alabama, the insurance Company would have to pay the claim in accordance with the terms of the policy. Same in Tenn and Miss. If the application or the agent asks percentage of time aboard or liveaboard you would have to answer. I was a branch manager in Nashville Tenn.with Transamerica for many years, and that is the way it works with most Companys. Now each States insurance commissioner has a different take on things. I would guess things up North are more complicated as everything else is.