[Stocker]

Both of our vehicles, as well as our home, are insured by The Hartford. I looked into increased coverage for my truck a few months ago. My situation is much like the OP's.... I haul the occasional load of firewood, or take trash to the dump, or other short local errands. They more-or-less told me to pound sand. If it isn't garaged and only driven to car shows, they aren't interested.