I have tried all insurance companies I can think of and the problem is always that we live in a condo building and I don't have a separate, enclosed garage for the car. Anyone knows of a company that will accept collectible/classic insurance in FL without that requirement?
I use Hagerty. Not sure about the garage clause. My neighbors are snow birds so I keep my car in their garage for now. I like Hagerty because of there lack of restrictions on the driving and miles.
Not sure if there is one. To this point it they all have a locked garage requirement and I can't say I can't blame them.
You may be able to get specified amount insurance that is not collectors that will let you but you will pay for it in the end and not get the collector discount.
I have Grundy and they are very flexible. But probably just by your address they will know is a condo. Then Miami area doesn't help much either. Do you have any relative and try to say you are storing the car at that place? Still if stolen/vandalized at the condo then you probably are screwed.
Check with your regular insurance company. I have State Farm and at least in Ohio, they have collectable car coverage. All mine were insured thru them. I didnt need a garage. I have a regular customer with a big collection he keeps in a separate building by his house. I dont remember if its Hagarty or Grundy, but he had to have a masonry building, burglar and fire alarm, and a sprinkler system. Each vehicle was only allowed 1,000 miles or so annually.
