San Antonio
Classic & Collector Car Insurance

The Facility Is Not Your Insurance Company

A lot of San Antonio collector cars live somewhere other than home. Older housing stock, tight garages, humidity that punishes upholstery and chrome, and a market with plenty of good climate-controlled storage all push in the same direction. That arrangement is usually a good decision for the car and a frequently misunderstood one for the coverage. Storage agreements are written to protect the facility, and most of them say fairly directly that the operator is not responsible for loss or damage to stored property and that the customer should maintain their own insurance. Where a facility does carry coverage, it is generally a single limit protecting the building and the business, shared across everything under that roof, and it responds only if the operator was negligent — not simply because your car was damaged. A fire, a roof failure, a break-in or a hailstorm at a facility housing forty cars does not divide into forty adequate settlements. Your own policy is what makes you whole, and the only things it asks in return are that the garaging address on it is the facility rather than your house, and that the agreed value still reflects the car.