Not if you are smart. Insurance companies have the right to deny claims that have inaccurate information supplied by you. For example, it is likely that automobile insurance is more costly in New York City than in most of Montana. If you claim to live in Montana, have an accident in NYC, the insurance company may dig into why you were there. If they find NYC was your primary address, they can deny your claim. It is only fair that you pay your fair share of the risks you assume.