[StephenC]

I had almost the same problem.

I have an SPF roller that will not have an engine until next spring. I wanted it insured in case of theft or fire. First, AAA (my insurance company) said it was not a car (no engine) so it could not be covered under an auto policy. Then, my agent turned around and said that it was a car for the purposes of a homeowners policy. And, homeowners does not cover automobiles.

He did say that AAA would cover a $40,000 collection of auto parts on a separate rider to the homeowners policy. I asked how much I had to take apart before it would be considered "parts". He didn't think that was too funny and suggested it would be best not to play word games that would allow AAA to avoid paying in event of loss.

Hmmmmmmmmmmmm.........

I called ALL over and no one would insure it without an engine or VIN.

So, I called the home office of AAA in Dearborn, Michigan. I explained the situation to a very nice lady and said that after 30 years as a member (currently insuring 6 cars), surely they could do something. She called me back in half an hour and stated it would be insured as an "misc on premises" vehicle. She explained this would be like a truck used solely on a farm and never taken on the road. As long as it is "on-premises" (my property) it is insured. This cost about $120 a year. I figured it was worth it.

It just takes someone willing to think outside the box and be creative.

Good luck!!