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but they expect you will use it judiciously (only on occasion-- def not for daily driving)... it can only be a second car. Surprisingly, they were ok with me storing it in a "public garage" (for the building) instead of needing my own private garage. Just priced them out at somewhere around $450 per year, but only with 15K replacement value. Policy limits essentially the same, w zero deductible. Keep in mind I am in Miami, which is pretty expensive for insurance. I pay about $900 per year now with State Farm for much lower limits and higher deductibles, but they allow for daily driving.
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