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Well the bank made me sign a no charter affidavit, but not one for living aboard, and my insurance didn't ask anything about living aboard either. So as of now, I'm not lying to either, just not providing additional info that wasn't asked for.
I never really thought of this before, but with a vessel of over a certain size, that has a galley, head, and berth...wouldn't they kind of assume that you're going to be living aboard at least part time? At least maybe weekends for example.
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