How would the insurance man even know it's there unless you tell them? Mine has only ever looked at the outside of my buildings. I thought seriously about putting one in my existing garage but it would be a difficult DIY project. If you were thinking about putting one in a yet to be built building, it would be easier to just make the building tall enough and put a hoist in.
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'85 ATC250R
.030 Over Wiseco
FMF Pipe/Answer silencer
36PJ Keihin
K&N
Boyesen reeds
Magura hydraulic clutch
Roost Boost
MSR bars
OMF swingarm skid
ITP Beadlocks
Three Wheelin' Since '84