I would advise to use a US address. But in theory, you can access the same policies, some insurers may not want to deal with you or apply higher premiums if they see a higher risk. Please note that normally, insurers are only allowed to insure local risk. I.e. you won't be able to insure a UK warehouse with a US insurer, unless they go through their UK branch etc. This is due to local regulations. In most countries, insurance is VAT exempt but there is a stamp duty applied to insurance with some exceptions for health insurance.