my '68 Dart GT (stored under a cover outside)

When I store my junk I cancel collision and liability but keep comprehensive which covers fire and theft.

Here in FL when insurance is cancelled, they notify state and registration is cancelled.
I'd minimize all the coverage to bare min, before cancelling

Time for annual renewal of classic car insurance. Currently covering my '65 Belvedere, a '69 Camaro (both garage kept) and my '68 Dart GT (stored under a cover outside). I haven't driven any of them in well over a year, and don't foresee driving them any of them for at least few months. All are basically "done" cars, (probably need new gas) under agreed value policies with JC Taylor. Thinking of not renewing the classic policies on these vehicles for now. I'm thinking homeowner's insurance will cover the garage stored cars if something happens to them, maybe even the Dart.

Could save a few hundred dollars. Good idea? Bad idea? Thoughts?

Do you have agreed value coverage with a collector car insurer? I'm not aware that any of them allow this.

Vehicles are almost always excluded from a homeowners policy. Policy needs to be specific about coverage of items in the garage area. With a classic, you would likely have a tough time if a claim came about regarding value.

Oh jeez, how did I miss that part? Homeowner's does not cover the cars in the garage, or parked in the driveway.

When I store my junk I cancel collision and liability but keep comprehensive which covers fire and theft.

If it’s a standard auto policy you can usually drop it down to just comprehensive which covers acts of god essentially.
Collectors policies don’t give you that option.

Are you sure you have agreed value and not stated amount?

Yes. Declarations page says agreed value.

Do you have agreed value coverage with a collector car insurer? I'm not aware that any of them allow this.

Could save a few hundred dollars. Good idea? Bad idea? Thoughts?

Bad idea, seriously.

My opinion-the people who let their insurance lapse on their classics are usually the same people who wind up regretting it. I had 3 cars at one time insured through Hagerty. $45k worth of agreed value insurance for $278.00 annually. If you cannot afford that, you need to re evaluate some things in life.

Of course your mileage will vary, but my friend with homeowners insurance had his non-insured classic in the garage. The car was stolen. The first things the homeowners insurance company (Travelers) did was deny coverage for the stolen car as their homeowners policy does not cover vehicles.

Hagerty does