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[byron mc]

It seems other than the federal forms for P.O. Box and CMRA applications the most difficult thing to achieve is insurance.
if you have insurance for a business you can claim your ghost address as the address.
If you are a renter then you must give them the actual residence if you want your posessions covered in event of fire or major catastrophe. I'm not talking a tax deduction here I'm talking if your condo/apartment building burns down.

If the insurance company has an old address for you or the incorrect one I seriously doubt you will be getting an full insurance payment from an insurance claim.

thoughts?

Since I'm not a criminal I've given only my renters insurance company my new physical residence. Unfortunately 12 months ago I paid the annual premium with a personal check from a bank account. Which is now a closed account though.
No one else has this physical address.
Even the insurance for my business has my previous physical residence as the business address. But any of the business physical property (equipment) are protected anywhere, not just at the business address. No vehicles are owned by the business.
The insurance company for the business has the same mailing address as other clients (A CMRA in town).


-byron

[Dare2BFree]

I share your concern for privacy byron, but I think at some point everyone will have to decide what is acceptable risk for them.  Each situation is different, but if you (meaning anyone) chooses to have insurance, home or renter's, then they are going to need to know the address of where they are insuring.

While I feel that the insurance field has been overrun with government policy and other BS, I believe that they are necessary.  Either have insurance from a traditional company or have enough equity (gold/silver) to be able to replace everything yourself - which in itself is insurance of a different kind. 

I've never checked this out, but does anyone know of insurance companies - probably would have to be the smaller ones - that value their customer's privacy and such so that they are more freedom friendly?  That may be something worth looking into.

[padre29]

Well Byron it would seem to me that you could use your Ghost address to insure what you needed to insure, then "if" something happened and you needed to file a claim you could "update" your information when the adjuster asks that the claim forms be filled out.

It really shouldn't effect your claim, as the policy that you purchased does cover for instance "theft" and adjuster just wants to make sure that your claim is valid (event hapened) and that you have receipts for what you are claiming was stolen.

[byron mc]

>I'm not talking a tax deduction here I'm talking if your condo/apartment building burns down.

to actually get renters insurance you have to provide a physical residential address. This goes into their system to determine how old your building is and how far from a fire hydrant it is and if smoke detectors/fire extinguishers are present. This is for a catastrophic loss not a burglary.
My original posting mentioned two types of insurance. One for personal posessions in a condo/apartment for "renters insurance" and the other being business insurance for equipment/liability.

With JJ Luna's ideas of placing a trailer on a piece of property most likely is that the posessions inside do not amount to much $  and therefore insurance is not a 'risk' a ghoster is willing to take.
My ghost concern is for the renters insurance. Not having equity for the amount insured is the purpose of having insurance for catastrophic loss.  I do not have gold or silver in the amount of my posessions.

I've informed my insurance company I do not want them to share or sell my address. (mail would be returned to sender as like JJ Luna said "Never have mail received at your home... nor put your name on the mailbox".)

To file a claim for a loss from the insurance company their fraud department would surely look into your new information that was not in the computer. These insurance companies are notorious for only insuring up to a certain date at 12:00 Hours if the premium is not received by a certain date...  If they do not have your updated information within probably 24-48 hours previous of your loss occuring (according to a police/fire report necessary for the loss claim) you probably won't get a claim paid. Just my guess...

[I'm making a new topic for homeowners insurance.]
-byron

[padre29]

I am thinking that there is a personal casualty type of insurance Byron that covers personal belingings, many Home owner's policies have this coverage, so I can't see why you couldn't buy a rider or addendum policy.

To file a claim for a loss from the insurance company their fraud department would surely look into your new information that was not in the computer. These insurance companies are notorious for only insuring up to a certain date at 12:00 Hours if the premium is not received by a certain date...  If they do not have your updated information within probably 24-48 hours previous of your loss occuring (according to a police/fire report necessary for the loss claim) you probably won't get a claim paid. Just my guess...

And even they look you've done nothing wrong.

[irv]

Insurance companies will do whatever it takes to get out of paying a substantial claim.
Including hiring a PI to tail you. You don't want that. And as soon as they find anything the
least bit suspicious, they'll claim you falsified your application or failed to conform to some fine
print somewhere, thereby invalidating your claim.

[Roy J. Tellason]

I don't like insurance companies.  What other business is *so* in bed with government,  at the state level?  (Yeah,  there are some BigCorps a whole lot worse,  particularly at the federal level,  and particularly when you get into the military end of things,  but...)

I've *never* benefited from having dealt with them folks.

OTOH,  I've often been at the receiving end of some of their crap.  Like the time I was a _passenger_ in a minor accident,  and the insurance company for the other driver,  who was most assuredly at fault,  told her to sue us,  and I got somehow to be one-third responsible for the total damages (most of which were to her car).  Or the family member who does not have a license,  and can't have one,  because insurance company financial judgements have somehow influenced the state to pull his, and he can't do anything about it because so much time has elapsed that the companies no longer have any records of these things,  but the state won't budge until he settles that account..

I suppose that some people want to deal with them.  That's fine,  if that's their choice.  I'd rather not have to,  except that I have the state saying that if I don't I can't register a vehicle,  nor get it inspected,  nor drive it legally.  Crap!