They will only want it garaged if you are purchasing physical damage insurance. The risk to them being theft, hail, wind, vandalism, etc. If liability is all you're buying in Maryland my recollection is they're going to require it is (a) licensed (b) inspected by your state annually (c) kept in good operating condition and (d) not loaned nor rented to other drivers. Some insurers may want to limit your mileage to 5 or 6000 miles per year on a truck in your weight class and age unless you are using it commercially and covering it under a commercial fleet program. And if you're using a 1938 1.5ton vehicle commercially they will have some other questions for you...at least until they understand why and can document their file. Not to imply they won't cover it, but it will be outside the bounds of what they normally expect to see and I'd expect them to want to know what modifications have been made to it. These are questions your agent will pass on to you. Whether you purchase physical damage coverage is up to you. If you also carry a personal umbrella policy, be certain your umbrella insurer knows about the vehicle and schedules it on that umbrella policy.
