What kind of insurance coverage does everyone have?

I spoke at length w haggerty and the collector car associate of usaa. Haggerty has agreed value. My quote was 18 k for car plus 5 k tools for 250 to 300 / year w basic restrictions. Price depended on environment and usage. All work and parts were to have pictures for proof of labor and parts. No coverage during racing, so if it was damaged during a race. I remember that my quote was with it in a fully enclosed pole barn or garage. One important thing was that I could not go grocery shopping w it or to "walmart" bc any type of errand running and daily driving was not allowed. So if it were stolen at the mall it wouldn't be covered. Cruises, road trips, shows and typical hot rod adventures were covered.
The other company had the "average" price of a vehicle with my type of mods. I was afraid of that concept not getting a good value if something happened.