Insurance companies have operating policies that are sometimes difficult to explain. We insured a 1969 Corvette once through GMAC when we purchased it at the dealer. We bought it in Virginia lived in Maryland and both worked in D.C. After a couple months we received a letter from GMAC to the effect that we were being canceled effective that month.
I spoke to GMAC and their reasons were that we lived near D.C. it was a Corvette, and lastly I was in the service.
I called our bank in my home town and got Travelers insurance that day no questions asked. Needless to say GMAC has not been in the picture since.
I could have called Geico and been insured. Can you imagine them denying coverage to someone in the service near D.C.