I dont know. I always read my policies. My auto insurance policy is about 13 pages of large font which is written in plain, easy to understand, English. All the &quot;loopholes&quot; seem pretty straightforward and reasonable to me. They seem pretty easy to avoid to me.<p>Yea, it stands that lying about where you live to an insurance company would be a good reason to deny your claim. You were paying the (probably cheaper) Seattle rate, not the CA rate. If you split your time between two different places just get the proper insurance for that.