[LongBox]

Interesting thread. I assume the insurance companies are concerned that without a garage, the "specialty" vehicle is going to be vulnerable to theft. And, my guess is that they are correct--a visible specialty vehicle is more likely to be stolen than one that is out of sight.

I don't want to discourage you from looking for the insurance coverage you want, but I would think that if it is at all possible, converting your carport into a closed garage might be well worth it in terms of peace of mind, etc. It should not be excessively expensive, as the floor and roof are already in place. Framing in the walls should not be difficult or expensive, and that just leaves the door.