Be Carefull of the Garage rule, thoroughly check it out yourself. If you do not have private secured locked garage you have No insurance at all, when it comes to a claim, its like driving without insurance, your insurance is void. When you apply for the policy You are told you must have it garaged in secure lockup at night or even hide out of view on private property, they consider private property secure, and not the street either. They don't checkup on you but they do require you to provide this info. So if you think oh they don't know if you garage lock your car or not, THINK AGAIN. Your driving with no insurance at all. I found out the hard way.
I live in an apartment I had parked my car at my sons every day and garaged at night for several years, they had OK'd this for it to be insured. My son passed away, I lost my parking, so I parked my car at my apartment residence. So a few days ago a fellow enthusiast was explaining how Hagerty would not insure him because of no garage. I scratched my head "OH BOY !!". So I called Hagerty, my insurance was void the moment I parked my car at my apartment residence overnight or when not in use. They stated, the Car when not driven must be on secure private property, garaged locked at night approved by them. When you get insurance you provide this info in your residence address, so if you think they don't check, you don't have to garage it, you can drive your insured...SURPRISE!. When it comes to a claim you have made a false claim to get insurance.
For me I now have to find somewhere to keep my car when not used or at an event to have it insured. When not in use or at an event it can be kept sitting in a private agreed on driveway or secure lockup, private backyard, all must be approved by Hagerty with photos address info so on. My car now temporarily sits in a friends backyard till I find what to do. Keeping it in storage unit at $200. plus a month doesn't justify the few times its going to be driven.
Please the "Secured parking and Garage kept lockup" check it out thoroughly there are misconceptions of the rules.