This post is a summary of the remaining steps Karen and I took to establish our domicile here in Texas along with a few non-domicile related tasks. There is an abundance of information on the web regarding specific steps in setting up a legal domicile and links are provided below for some of the information I used. Hope you find this blog post to be informative beyond what you might find elsewhere.
Here are sources of domicile information for Texas and other states:
- There are detailed lists on setting up domicile. A must read is at this link.
- If you want an abbreviated list of setting up domicile here in Texas go to this link.
- If you are interested in Texas, Florida or South Dakota as a legal domicile here is a link to start your research through the Escapees Club.
- If you are domiciling in Texas, as well as many other states, and the combined gross weight of your rig exceeds 26,000 pounds, then you must have a special license. Here is a link to a long forum thread with the details. Here is a list of what each state requires.
Beyond the usual considerations for selecting a domicile, we decided on Texas which is close to our family in Missouri, lots to see in Texas and a place we could call home on a permanent basis. Eventually I’ll complete a blog post regarding the diversity of travel in Texas. We have been in the state now for about six weeks and I’m impressed. You can go from pine forests to open plains, ocean front, desert and mountains – all in one state. There were compelling reasons for us to consider setting up in other states such as the process in South Dakota may have been easier and for now Florida has a health plan with nationwide coverage that is not short-term coverage.
If you are not planning to live in an RV this information may not be important. But if you are interested in the process then stick around. Domicile means setting up a legal address to which you intend to live and have substantial connection with. Had we planned to just give this lifestyle a try or set a shorter goal such as RVing for a year or maybe two, I’d certainly not suggest someone go to the point we have which was selling everything and breaking legal ties to our home state.
For us, we hope to make it on the road at least six years and hence it was worth it to move to a new domicile. This six-year goal is not arbitrary nor based upon an abundance of personal experience. It came after much discussion between the two of us and frankly largely to steps I took to meet with and communicate with many successful fulltime RVers. There is a substantial number of RVers who make it five or more years on the road.
So, in a format that allows me to cough up the information best, here are some details which are close to the order of completion. Feel free to skip to categories that interest you. I’m putting all this out there in case it helps:
Healthcare and establishing doctor relationships:
This is perhaps the number one decision when making the move to this fulltime RV lifestyle. There is plenty on the internet about it already. Wheeling-it blog is a good source for information. They moved to Europe to RV but last years info is still good from what I can tell.
You may be in a different situation than us. Karen is eledgable for Medicare in nine months and neither of us have any concerning pre-conditions. After I left my job in October there were several selections for healthcare. It was overwhelming until Karen suggested I was considering too many possible solutions and to just hurry up and go with the one that appeared to make the most sense for now. I was hung-up on the national coverage and being out of network decision. Every year these plans are subject to change. I’ve seen folks change domicile a second time, chasing better healthcare plans. I tried to use Kyle for advise at rvinsurance.com for healthcare where his website provides a lot of useful information. I’m thinking they have a set of products that make sense for them to sell and spending hours on the phone with folks trying to make a healthcare decision is way more than should be expected. Good place to start research for sure.
We could take the expensive option of Cobra benefits, get short-term insurance, go with the Affordable Care Act (known as the marketplace), take a hospitalization/injury plan only or go with ministerial alliance programs. During our first month on the road we decided to enroll in a TeleMed service for $20 a month. This service allows us to talk to a doctor online 24 hours a day and seems like a good solution for minor healthcare items. We both have had colds and we used the service once so far. Eventhough our new doctors were 10 miles down the road at the time we used the online service. For now, we are keeping the service although I’m still doing the math to see if it makes sense to cancel TeleMed and use a similar service provided as part of our new healthcare plan which is through Blue Cross Blue Shield of Texas. In our case Blue Cross offers the service but there are deductibles and from what I can tell as long as you don’t have to call a doctor more than two times a year the Blue Cross plan offer is a decent deal compared to the $20 a month we are currently paying for the separate plan.
We decided to enroll in the Affordable Care Act (known as the “marketplace”). We know our budget for insurance and medical care. We have a fund setup in a health savings account (HSA). I maxed-out the annual fund contribution limit this past year, even putting more into it after I left the job. If you are 55 or older you can add an extra pre-tax $1,000 to a health savings account which is usable if you select a high-deductible healthcare plan. We have a monthly budget for healthcare and I’m planning to move whatever we don’t spend into the HSA account. Even if you become Medicare eledgable or later do not select a high deductible plan, you can still use the funds from your HSA but will not be able to contribute pre-tax income to the HSA account.
I found it easier to purchase our plan through the government web site at Healthcare.gov rather than Health Sherpa or any one of several other services that offer assistance. At our estimated income level, taken from our annual budget, we qualified for subsidies. There were 14 plans available in our zip code. We have always appreciated the service level with Blue Cross Blue Shield, so we selected a plan with them. All along in the process we received reminders from the Healthcare.gov website which walks you through a series of steps in selecting a plan. The annual deadline to select a plan is normally December 15. Because we moved or left a job our deadline would have been later.
There is more I could write about this decision to include reasons we did not go with other options. Let me know in the comments section if you have questions so other readers can learn from you.
There is plenty of information on this decision on the internet some of which is more complete than others but none of which I found to 100% cover all the details. For example, I had no idea when you estimate your income for the year, which sets the federal healthcare subsidy amount, you can go back during the year and report income changes. If your income changes, then the subsidy could change, even resulting in an income tax refund if your subsidy ends up being more based on a lower income. Or you could get stung with a tax bill if you underestimate your income. No worries just go back and report income changes during the year through the website.
I’ll add a note that years ago I was against the Affordable Care Act and I still have minor issues with it as well as in general the concept of high-deductible plans. I’d prefer not to get into the politics of it. I’ll simply say there should be a way for people to afford healthcare and I would prefer that be through a reduction in the actual costs of the service rather than through government subsidies. You have to start somewhere.
Karen and I found a list of doctors in the area which are advertised through the local Escapees Club. There is also a Care Center here in the Texas Escapees Club RV Park for those who are sick or can no longer travel but want to stay in the RV lifestyle. I could have asked the Care Center employees for doctor recommendations but instead we handled our own research.
I’ll add that if you have a serious pre-existing condition a primary care doctor may not accept you as a new patient! This is something important that I learned by watching others go through this process. I don’t mean to alarm anyone, and I can see the doctor’s point of view. The nurse explained it to me in a more delicate way I presumed. She says the doctor wants to make sure he is the right fit for me and if not might want to refer me on to someone else who is more familiar with handling a pre-existing medical condition. The pessimistic side of me wonders if it’s more about liability and surge in prescription drug addiction. The point to get out of this is you may have to see more than one doctor to get the right fit so plan on it.
Don’t think you can just quickly drive to a domicile state and leave with everything done the next day. My doctor (Perez in Livingston) wanted to setup an appointment before he decided to take me as a new patient. I like that about him. My first appointment was free, and the next visit was setup 10 days later after the holidays. My doctor wants blood work to check on me even though I had an extensive physical before I retired. By luck on my part, this doctor knows about fulltime RVing and was acquainted with the founders of the Escapees Club back in the 1970s. Karen found a doctor who asked that she schedule lab work as well.
I’m in nearly new condition other than as expected my cholesterol levels are high. I’m working on that through diet which according to the doctor may result have marginal success. He wants to see me in two months. As we will be traveling I may check into getting the lab work done and sending it to him? I noticed even Walmart will check your cholesterol levels.
Getting a plan that provides healthcare benefits anywhere in the nation is preferred to expensive out of network costs. Many go to Florida for the current plans. I also considered the short-term healthcare rules where those plans are nationwide but they don’t cover pre-existing conditions and the ones quoted to me were higher in price. Here in Texas, and other states, laws have changed. “Short-term” coverage can be extended for longer periods. Post in the comments section so others can read the information if you have specific questions.
Establishing a budget for medical care will help you decide which approach to take. And then do some research before taking off on the road to see what that money will buy.
Truck and trailer insurance:
I’ve used an insurance broker in the past but decided to do it on my own this time. I checked with USAA, Progressive and Geico. I had planned to do some serious shopping around. But I found Geico to be well within our budget and liked working with them. They know RVing and are easy to do business with. So, I stopped and ordered our insurance, receiving the proof of insurance certificate an hour later. Our coverage for the trailer is better than we had. We saved about $250 a year even with the conversion of our trailer insurance to fulltime living. You must disclose you live in the trailer. Our policy includes roadside assistance, $10,000 for contents. And up to $3,000 for temporary living expense in the event we can’t use the trailer such as after a crash. It includes full replacement cost of the trailer at a dollar amount we agreed to.
I printed a copy of our prior policy coverage to use as a quick reference hoping to make sure the new companies quoted comparable coverages. Each state has minimum coverage requirements. As I’ve always done I took a $500 deductible. The 2018 Ram dually Laramie came in at $584 for six months and our 2019 Vanleigh Vilano came in at $480 for six months. I probably should have asked for a one-year deal just to prevent price increases, but time will tell. Total comes to $177 a month. I paid the entire six months in advance to cut down on the hassle in paying monthly bills.
By the way, we did not take out separate insurance for our storage unit. I’ll except the risk which is made less in my opinion as the storage unit is located inside for climate control with good gate and door security. Our unit happens to share a wall with the storage facility office area. There is not much of financial value in the storage unit.
This was an easy one but took some thought. There are things in this lifestyle you put off when you are first getting on the road. Just because there is not necessarily time to do it all at once. Like buying a tire monitoring system or worrying about roadside assistance. Those things happen over time. We have roadside assistance through Vanleigh RV for a year as the trailer is new. Dodge has roadside assistance on our 2018 truck. And our new insurer, Geico has service at a cheap price. I wondered why then some buy a separate roadside assistance policy through someone like Good Sam’s or whomever? I’m guessing, and asked others, that all those various service plans make use of basically the same system for service, which is when you break down, they contact the same people for help that all the competitors use. For us it made since to just use the service provided as part of our truck and trailer insurance. I wrote the roadside service phone numbers down and keep them handy in the truck.
Order and setup internet connection:
I know this topic is not domicile related but it’s something we finally took the time to setup. When you get right down to it, we all want a fast and dependable internet connection like we used to have in our sticks and bricks house. The quickest solution for internet service on the road in my opinion is a Verizon hotspot from your phone or a jet pack. We have had excellent connection though AT&T. My part-time office job provides phone and limited data service through T-Mobile which is not good for this lifestyle. Arguably the best advise can be found at rvmobileinternet.com although I found our solution elsewhere.
I wrote years ago that I’d not make this decision until we hit the road as technology changes. I purchased a Togo Roadlink which is built by Winegard. The devise was $340 and a full year of unlimited data though only AT&T is $360. This Togo device is designed to permanently install on the top of the RV. It contains antenna for both cellular and for times when the campsite has WIFI, an antenna to connect. It requires only a 12-volt connection. I set it up temporarily, directly to our RV battery. The Togo works even when stored in our front basement. I’ll have the Vanleigh Service Center install it on the roof although I could do it myself. The Togo weighs three pounds and you can only use AT&T for the mobile service. Winegard builds another nearly similar model that can use any cell carrier’s data plan. Another difference in the Togo compared to other Winegard products is the GPS capability of the Togo. They say they are adding more features, but one is the ability to track where your RV is located. I bought the unit mostly because of the unlimited data plan for $30 a month on a decent network. I’ll add it does pickup campground Wifi better than just our phones and Roku streaming stick. I like not having to enter a password at every campsite more than once as the Togo is similar to a router in those cases. Karen can also hook into the Togo cellular signal from inside the truck when we are moving. Another feature I like is connection to the Togo from the computer or phone is so quick it is ready to go as soon as the computer boots up.
Another feature I like about the Togo is the phone app where you can switch from cellular data to campground WIFI reception. After you change the connection all your devices that were hooked up remain hooked up, seamlessly.
Space X and Amazon are launching rockets with satellites capable of internet service. I’ll bet that will mix things up someday. I recently read that even Apple has set a goal to provide service between their phones within five years that is not dependent on any cell carriers.
Truck and trailer inspection:
In Texas the truck and trailer are to be inspected each year. If you are out of the state you can renew your tags without the inspection but once you return to the state you have to be inspected. I got a couple inspection location off the internet and from other RVer. I drove to the inspection station without the trailer to make sure I could get the RV in and out easily.
We had the trailer weighed which is not part of the licensing process, and then took the truck and trailer in for an inspection. I used Soda Auto at 6709 East 190 Highway (936-563-4234). Again, I got lucky and Soda Auto was very familiar with us Escapees. I’m finding that to be the case all around town. The office at Escapees stays current on good inspection stations so check there first. By the way, Karen and I are really liking Livingston. And this is not an advertisement for joining Escapees.
I had the truck and trailer weighed and inspected on the same day as we had to move the trailer from our current spot and then back again. I had considered having the inspection done upon first arriving in Livingston then taking it to the RV park. But – and this is a good thing – I’m learning to slow down. Sometimes it’s okay just to do one thing a day and call it good. I’ve learned not to set myself up for frustration by over-committing my time.
In Texas both of us had to go to the license center to get tags. Our Missouri title was registered to me, TOD Karen. They don’t use TOD (time of death) in Texas registrations so they treated this as both of us owning the truck and trailer, therefore Karen had to sign the forms and bring her driver’s license photo with her. There were three forms to fill out which I got ahead of time at the license center. I took a photo of the weight sticker on the side of the trailer to prove weight. Don’t forget to bring proof of sales tax paid from whatever state you originally paid taxes in. I was surprised Texas did not require VIN verifications which is when law enforcement looks at the VIN and completes a form to make sure it’s not a stolen vehicle when transferring the title. Later, you can use your vehicle registration papers to help prove residency when you obtain a driver’s license.
Using our mail service:
I must throw this topic in because it’s an important part. Even if I’ve written about it in the past. I’m 100% impressed with the mail forwarding service with Escapees. Livingston is their main location and I could see the top of the building from our RV spot. I see two or three semi-trucks come here every day with mail. We can walk up to the window and get our mail and we have had mail forwarded through the Escapees service to camping spots in two other states. If you go with Escapees service in South Dakota or Florida, your mail will go to the Livingston Texas location first and then be sent on to wherever you are. This is such a large operation that they have their own zip code (77399) and a formal agreement with the US Post Office.
Changing our address with banks and insurance companies was a hard part of the process and the zip code and address format, which include a box #, worked well. Our address is 152 Rainbow Drive #5220, Livingston Texas 77399-1052. I put that out there not to get mail from you but to demonstrate how it looks like any other apartment number when the address is just a box in a building. I researched other mail services as well and they work but were not the best fit for us. Escapees started the service in 1985 which is housed in a 10,000 square foot building with about 40 fulltime employees. Here is a link to how RVer’s get their mail. My advise is to select a mail forwarding service that has an address within the state you want to domicile.
Sometime ago, I noticed a mail forwarding service in South Dakota shut down. Bet it sucked to have to do all the address changes again, “moving” to a new domicile address which might not have been in-network for healthcare.
If you are planning for your future in an RV one thing you can do now is start cutting everything over to online banking and billing. Make a list of all your accounts to work from. I should have setup our new mailing address two months before we moved out of our house in Missouri but things got in the way. That would have saved setting up a temporary post office box then changing that address to Texas. You may also recall from a prior post that as soon as you change your address the Post Office will send notification out which will alarm your insurance companies who want to know why you moved. We told them we were snow birding in Texas and wanted to get our mail there. A couple months later we got new insurance. If took about three months before I felt comfortable everyone had our new address and I would not miss any important mail if that be through forwarded mail or emails.
Okay by this point in the process we had been parked in Livingston for a week. Taking it easy in the warm winter weather and knowing we were there over the holidays and moving 10 miles down the road to a state park later. And knowing we have a time window created by scheduled appointments with our new doctors anyway. Next comes:
Truck and trailer tags:
Here in Livingston this is handled by the county tax office located at 416 N Washington (also known as Business 59). I looked up the list of proper forms to take but decided to just go in one day and ask for them. Parked behind the building and went in the back door. There was no line and the lady at the counter highlighted what blanks to fill out on the form for our trailer and truck registrations to include title transfers from Missouri to Texas. Make sure you have lean waivers if you paid-off a loan on either vehicle and the finance company is still on the old title. We received our new Texas titles in the mail within two weeks.
I had Geico Insurance fax our coverage limits to the office at their request. Just the proof of insurance card was not enough. They need to see the actual limits of the coverage which Texas called the “declaration page.” Amazing service from Geico when I called. I was still on the phone talking about the trailer portion of our insurance as the truck portion started appearing on the county fax machine.
Karen grabbed the forms for voter registration while in the office. Or you can just check a box for voter registration when you later go in for a driver’s license.
This was the first-time meeting anyone from local government. They did not mind joking with me at the counter and talking about places to eat in town. We really do want to be a part of this community. After the short visit we walked on the square downtown for lunch. A local sat down to eat at the next table. Turned out he was born in Livingston 60 years ago and really knew the local history. He called Karen mam and me sir. I was raised the same way and a long-long time ago I had neighbors from Dallas Texas who used to tell me that was the proper way to address an adult. The habit stuck.
Cost us a little over $500 to register the truck and trailer. I expected that as some are first time Texan fees and title work. I asked the clerk if the fees included property tax and she looked at me as if confused. I asked about next year when I renew our tags if I needed to pay property tax first. She says no. Texas has no property tax on vehicles if it’s not leased or used for income. However, I’ve read if you buy a residence those taxes are high. I still can’t get over not paying taxes at the grocery store for most basic food needs. I’m really starting to think Missouri and our home county/city were a tax rip-off. Anyway, no worries paying the fees as we are saving in the ballpark of $2,700 annually as there is no state income tax. Grocery store taxes in Texas are cheap for unprepared food items.
According to a CPA at this article link, Texas ranked 46th in tax burden overall in 2016. I’ve not researched the numbers for accuracy in this article for the most part.
Register to vote:
We picked up a voters registration card at the same place we registered the truck and trailer which is the county tax office located at 416 N Washington, Livingston. Filled it out and mailed it back with the included postage paid card. Did not have to have a Texas driver’s license and signed we were residence. We received our cards a week later. We could have also just checked a box on a form when we went to get our driver’s license which is the easy way to do it.
Change our wills and file Intent to Domicile form:
So far, we have not finished this. The lawyers say complete the Intent to Domicile form and file it with the county court. But then again, the lawyers are selling something. I’m leaning towards an online service for our uncomplicated will? I’ll probably never get around to filing out an Intent to Domicile form. All our financial accounts are in both our names and a third person is listed in case we die.
Licensing here is handled by the Department of Public Safety located at 1737 N Washington in Livingston. I first read up on the requirements for new residents to make sure we have the propery identifications.
Because our fifth wheel/truck combination exceeds 26,000 in combined gross weight, I’ll have to get a Class A license. Motorhomes that exceed this weight get a Class B. The regular Texas license in a Class C which Karen got with a simple eye test.
When we arrived in Texas, I downloaded the commercial vehicle license manual to study chapter 14 and 6 which is what I understand a special license will require testing on. Thanks to blog reader Jerry Jones of Keep up with the Joneses who was a little ahead in the process I also discovered to make sure to look at the state’s internet page for the CDL driver test locations. Make sure you schedule the driving portion well in advance because sometimes there is a waiting list. I’ll have to take a test with the rig and as Karen does not pull the trailer she does not. You have 30 days to get your vehicle tags once becoming a resident. You have 90 days to get a driver’s license.
The process went well for the most part. Nothing I read explained that you first file for your Class C (regular license) then get back in line and file for a modification to a Class A or B. After passing the written exam I was able to go online and schedule the driving portion at any center around the state. Fortunately, there was a testing facility in Livingston Texas, where I’d gotten to generally know the roads.
For proof of citizenship and residence we provided our social security cards, birth certificate, truck/trailer registration and insurance documents which have our Texas address printed on them. Had we not had our vehicle registration and insurance documents we could have used two bank documents or bills (any but cell phone bills) which have our Texas address printed on them.
I took the Class A written test in 10 minutes and missed one question when you can miss six out of 20 and still pass. I studied way too much…. I read the two chapters in the book twice, to include the day before the test. I took the online practice tests until I was able to score 100%. Karen so far has not applied for the Class A license although the lady at the counter suggested she at least take the written test and for the first 90 days she can pull the trailer without the license. She decided against that.
I kept my motorcycle qualification. I also checked a box to have it listed on the driver’s license being a veteran. I had to show them a copy of my DD 214. I plan to use the ID for discounts such as at Lowe’s for 10% off.
I had the driving portion scheduled but had a delay, so I’ll get that done soon. I’ve read online to get a general idea of what others went through during the road test. All report it was easier than they thought and took 20 to 30 minutes. Here in Livingston when you take the driving portion I was told to park on the shoulder of the road out front where there is a fire hydrant. The license center employee pointed to a second hydrant nearby, saying it’s okay as the hydrant we would be parked at was a distance off the road and the second hydrant can be used. Karen can’t be with me during the drive and as our fifth wheel will be with me we have to come up with a plan in case it’s raining during the test. She will have the dog and the license center can only have 10 people waiting inside. And the outside waiting area does not have an awning. Maybe she will stay back at the RV park with new friends or I’ll just keep the dog in the truck during the test while she waits outside the building. (Update – I took the driving portion. The examiner said this was going to be way easier than I thought it would be. She directed me through easy driving areas with easy turns. Had to back up straight for about 25 feet. You can have a total deduction of 30 points and pass. I lost three points total. Two for not keeping both hands on the wheel and one for backing as I moved slightly away from the curb. Glad I took the test in Livingston where I had gotten to know the roads. Folks – get your Class A if you require one. It really is no big deal.)
Other Tasks Completed or Considered:
I cancelled all the state income tax withholding for my retirement accounts and part-time office job as Texas has no income tax. Although I moved some of that savings by having extra taken out for Federal taxes for now.
While stopped in one place for so long I caught up on some annual rig maintenance and things I had put off. I also scheduled our appointment at the Vanleigh factory service center which requires three months’ notice. For months now I’ve been building a list for maintenance items and after I use it for awhile I’ll share it in a post. It took a while to get through the owner’s manuals, manufacturer’s websites and reading what others are doing for maintenance.
I ordered replacement bank checks with our new address.
We have not moved our 10×5 storage unit from Missouri to Texas. I’m thinking in terms of what personal property we still own, the 10×5 unit is a minor amount. 99% of the value of our personal property is here in Texas with us. I would think the 10×5 storage unit in Missouri is no different than leaving property in your parent’s basement and for now may just be a temporary thing. I’m confident our travel history and domicile efforts will show Missouri is no longer our home state. Some suggest moving storage to your domicile state to further prove you live there. One fear might be the state you left coming after income tax or there being a dispute in the event of a civil court action such as estate planning or divorce.
We are beginning to consider ways we can become part of the Texas community, especially here in Livingston/Polk County. You could spend months making all the camping stops here in Texas. Southern Texas winters, even just north of Houston, are not bad and tend to run at least 20 degrees warmer than what we had in Kansas City. Several times this “winter” we had to run the air conditioner to remove the humidity even in mid-seventies temperatures.
2020 is the year for the US census. I put it on my calendar to follow up to make sure we are counted as living in Texas. I’m already reading up on the process and how it went down in 2010. The census begins on April 1 and at the time we don’t plan to be parked in Texas. From what I’ve read if you travel like us you will be counted in the census in whatever place you happened to be parked at the time. There was a sign posted at the RV park where becoming a census worker pays $20 an hour!
I try not to put out any bad information and I am starting to recognize that just because some other person did something as a fulltime Rver does not necessarily mean they were the expert either.
Personally, I’m not a rules breaker and finding a way around the system is not something I’m comfortable with. Having a domicile address in a state I never intend to visit again is not something I’m willing to do. And it would not be fair to others should one of us die and there be an issue in probate court.
I hope you will agree, as well as the legal system, that the above represents a considerable effort to become Texans.