I have American National from Springfield MO. I don't recall anything about locked garage. My cars are in a garage. Don't know if they provide coverage in your state. Hagerty would not insure me they said because I drive too much.
I couldnt go with hagerty either ! state f--- will never get my business again, long story.
All state told me they dont insure classics.
Another that I cant remember was too hi , like haggerty ------
