Insurance Co. says car must be in a locked garage

I pay almost $400 a month to insure our regular cars, and $500 a year on the Roadrunner through Hagerty. Tell me where the bargain is! The roadrunner is insured for $50k. I’ve been with Hagerty for over 20 years, they know me by name there, and have always been a good reliable company. I’ll stick with them. And yea, all my cars are garaged.