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I carry full insurance on all my vehicles. For the record my agent said he could not, (I question maybe would not) insure a vehicle that came oem equiped with airbags, if they have been deployed. I was given the option to get they replaced, of course and then he would insure it.
It's not always about what your agent asks but what you dislose. If I insure a 1995 beat to crap jeep wrangler, it may be covered to replacement cost $2000. But that won't cover 36" tires, D44 or 60 or heaven forbid a stak.
Houses are the same. If someone where to drive up and clear out may garage. I'ld be out $$$$ in tools and parts if I didn't disclose it to my agent.
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