It should not conflict if you're with State Farm. Take the insurance out in your name. I promise you, if you PUT IT IN YOUR NAME ONLY, but you still share the same address.. You will not hurt your father's claim records if you have one. P-A-P's do not affect your claim records with any other line.

For example..

You insure your cell phone on a PAP.. Pay 30 bucks. It breaks next week because you got drunk and used it for a hockey puck. State Farm pays $449 and you get a new phone and sim card. (actually you get a check for $449, you can buy whatever you want with it).. but let's say you buy another 8320 Curve.. You come back and try to put another policy on there.. You may run into trouble doing it, but you'll be fine. You break it AGAIN, they'll pay again, and you won't be able to write a third one for 3-5 years. Two strikes you're out.

However, breaking it twice, doesn't matter to your homeowners or renters or auto or whatever. It shows up as a non-chargeable claim. It can NOT hurt your other policies outside of PAP's. Trust me on this.