(I searched past threads about this topic, but none seemed to address my specific issue)
Has anyone here been able to get classic/vintage agreed value comprehensive/collision coverage if your '02 is your only car, and it's not stored in a private, stand-alone garage?
I've been unable to find an insurance company that doesn't require both that you own another (i.e. primary) vehicle, and that you have a separate, locked garage for your classic.
It's frustrating because I live in New York (where I don't need a car) and my car lives in Los Angeles (long story) so even though it gets driven very little and is in a secured, albeit shared, parking garage (under an apartment building), companies like Hagerty and Chubb classify it as a daily driver if you don't own another car, and they don't consider a storage situation like mine to be sufficient.
This is a desirable problem, as '02s are only increasing in value, but right now I'm only one accident or theft away from a total loss.