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This may not help everyone, but this is what I did. I have a little different situation. I have a home in VA and I am building a garage in KY. We will build a house in about two years. I intended to use the garage for storage, de-clutter our house. before we sell it. I also go there whit my camper. I was told after several discussions with my local agent and the one in KY that since I did not live in KY at the property, I had to go with commercial insurance. I dug a little further, and since my garage has a 10' x 26' room, that would qualify as living space, they will insure me as a second house. Kinda like a lake cottage or cabin. I do have heating & cooling, electrical and water. When the agent asked about a bath room, I told her I had an out house. The cost is around $550.00 per year, including liability and theft. I will set up some cots, and chairs in the room and take some pictures so I can prove I used it as a cabin.