Insurance Co. says car must be in a locked garage

I'm in Minneapolis and I have 4 vehicles insured through Hagerty. It's been so smooth. I've never even sent them pictures of 3 of them, just an agreed upon value for full coverage.
Last year I even bought a car in CA and called Hagerty for the insurance so I'd be covered on the drive home and they said no problem.
My Valiant got hit parked in the street last year sadly (dumbass never even stopped) and Hagerty paid quickly and fairly.
I've been with them for 5 yrs now.