I have the Javelin on my normal State Farm policy (but they have pissed me off for the last time) and I want an agreed value and/or collector insurance on it, but we don't have room for it in the garage (even though it's a 2-car, one half is the 150 gallon hot water heater, washer, dryer, freezer, cabinets, and workbench 
). Does anybody provide coverage like that for a car in the "open"? I would gladly sign a "no coverage on paint" clause...
Being in the business, and having worked for a company that wrote collector cars I'll say it's very unlikely. If it's completely out in the open, I don't see them wanting to take the "risk". You might, and I mean might be able to convince them if the car was in a carport or some kind of covered structure on your property.
Many large companies do agreed value. State Farm is one, but I'm pretty sure Progressive does it, Nationwide, etc... I'd be surprised if you got Grundy, Hagerty or a similar company to do it.
Crap-o-la. 
I wonder if I could get it to fit if I took out the cabinets and workbench? Time to get busy in the garage...
I've never found one, and I've looked. Like you, I could use it. They all want the car stored in a locked garage.
Javelin wrote: Crap-o-la.
With a car as big as yours, you'll need to remove a lot of cabinets. How long is it?? Or what better excuse to get a lift? I've got 4 cars crammed into my 3 car garage, but the biggest is my wife's '08 Honda Fit. It's a whopping 157.4 inches long. 
Don't ask. Don't tell. Don't make a claim.
You might look at moving to cabinets that are mounted up high and a folding workbench. Like this on the left:
from this thread:
http://www.garagejournal.com/forum/showthread.php?t=55006&page=6
The bench can be dropped down from the wall when the car's not in there.
Klayfish wrote:Javelin wrote: Crap-o-la.With a car as big as yours, you'll need to remove a lot of cabinets. How long is it?? Or what better excuse to get a lift? I've got 4 cars crammed into my 3 car garage, but the biggest is my wife's '08 Honda Fit. It's a whopping 157.4 inches long.
You'd be surprised just how small the thing actually is. See the pics in the build thread? Remember that the wheels are 14". It's smaller than my neighbor's Chevy Aveo! 
Overall length is the only dimension that's tough, and that's only because of the washer, dryer, freezer, etc. The Jav is shorter than our GP, and that lives in the garage.
how about biulding an shed that is long and norrow to just fit the car in just to be able to get it our of the weather? should be able to get something or build it for less then a grand....just my 2 cents worth....
I dunno, they just asked me if I had a garage....if they are making the assumption it lives in there....
Just beware, a number of them will have a local agent do a drive by of your place at some point in time just to verify the existence of the garage.
Javelin wrote: The Jav is shorter than our GP, and that lives in the garage.
Garages are for old cars, not new ones. 
JThw8 wrote: I dunno, they just asked me if I had a garage....if they are making the assumption it lives in there....
This^^
move the house stuff into the house- washer, dryer, freezer, etc- and use the garage for garage stuff like parking cars.
SVreX wrote:JThw8 wrote: I dunno, they just asked me if I had a garage....if they are making the assumption it lives in there....This^^
That's playing with fire. If they discover the car isn't garaged and you told them on the application it was, the end result is ugly. They will deny your claim, and you'll have no real recourse. They'll also probably refer it to the state attorney generals office for insurance fraud. Here in PA, that's a felony. Whether the AGs office takes the case is another matter, but why take the risk?
I can't speak for all insurance companies, but the ones I know well don't send people out randomly just looking for policyholders to see if the car is garaged. Rather, if something raises a red flag for them, they'll investigate. You'd be surprised the ways a red flag can be raised...neighbors, etc... I spent several years doing auto fraud investigation, I've seen all kinds of crazy stuff.
novaderrik wrote: move the house stuff into the house- washer, dryer, freezer, etc- and use the garage for garage stuff like parking cars.
Can't. Like physically can't. There is no laundry room and all of the hookups for the above are in the garage.
A second car firs fine when it's short. We parked the RX-7, the Miata, and the 944 in there all the time. The Javelin is a lot longer.
Klayfish wrote:SVreX wrote:That's playing with fire. If they discover the car isn't garaged and you told them on the application it was, the end result is ugly. They will deny your claim, and you'll have no real recourse. They'll also probably refer it to the state attorney generals office for insurance fraud. Here in PA, that's a felony. Whether the AGs office takes the case is another matter, but why take the risk? I can't speak for all insurance companies, but the ones I know well don't send people out randomly just looking for policyholders to see if the car is garaged. Rather, if something raises a red flag for them, they'll investigate. You'd be surprised the ways a red flag can be raised...neighbors, etc... I spent several years doing auto fraud investigation, I've seen all kinds of crazy stuff.JThw8 wrote: I dunno, they just asked me if I had a garage....if they are making the assumption it lives in there....This^^
It's not fraud if they never asked me (or mentioned any requirement) to keep the car garaged.
My company asked if I had a garage. I answered completely truthfully.
If they had asked me "Where is the garage you intend to keep it in" (which I have seen), it is still NOT a requirement of the contract that it be garaged. That is a question of intent at the time of contract signing. If I intended to keep it in my garage and answered truthfully, but circumstances later changed and I moved it out, it would still not be fraud. It would be completely honest.
The only thing that would be fraudulent would be if I misrepresented my intent, or if the contract required me to keep it garaged. Even that would be difficult to enforce, unless the car was never driven or moved out of the garage for any reason.
You gotta know what your agreement is, and no one can hold you to something you did not agree to. My experience says insurance companies (for whatever reason) are not too good about defining this particular item with any level of specificity.
BTW, my car is in the garage. But it hasn't always been. In fact, Google street view shows it parked outside. 
Pic of your garage? Own or rent? 150 gallon water htr? is that a typo?
In reply to Gearheadotaku:
Own, and not a typo. It's some new-fangled "smart grid" hot water heater that talks to the PUD and is literally the most efficient one (that still has a tank anyway, I'd love a Japanese style tankless one).
I guess it's efficient by thermal mass or something? How big is that thing?
Anyhow, since you own (good thing) perhaps look into carport next to garage for the daily. Stackable type washer/dryer to save a little room/ move hook-up to better spot in garage?
Agreed value should insure you for outdoor storage, but it will be more expensive. Check with haggerty and grundy.
I had to supply photos of my collectors cars parked inside the garage.
Everywhere I looked wanted it in a locked garage. Wish you the best making it fit some how.
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