I was thinking about insuring a classis car once and asked them about that secured garage deal. They told me they were more concerned with someone stealing my classis then they were about me wrecking it. Having it in a secured garage at home reduces the chance of it being stolen by something like 90%. Sitting outside unsecured s like advertising its availability to thieves. Stolen from a home garage is often reports quickly and they have better odds of getting it back. Stolen from an off site garage usually means a delayed theft report and lower odds of finding it. Makes sense to me.