Glad my explanation helped . I think we end up trying to save on premiums and never consider how a loss is covered,
Agreed - I wasn't looking for the lowest premium, it's what my agent said the range was for classic cars of my value.
That being said I'm going to review the full policy (the snippet I attached is the summarized version" for the application) and run a few scenarios by them like you did to ensure it's covered the way I want it to be covered.
Watch out for the mooses .. Here is one Alfa which killed a deer..It is a 100 pointer.... not the deer but the car. Not my car. On the way to a C&C on a Sunday AM... Hagerty covered it in spades. No issues.