12/05/2025
***7 Things You Should Never Store in the Garage During Winter***
And why the right insurance coverage matters just as much as proper storage.
If your garage drops close to outdoor temps, these items need to come inside—or you could be looking at costly damage that your insurance may or may not cover, depending on your policy.
When winter hits, the garage often becomes a cold, cluttered catch-all for items that really shouldn’t be exposed to freezing temperatures. That’s when things crack, corrode, leak, or—worst of all—create safety hazards. As insurance agents know well, many winter damage claims start with poor storage habits.
Below, home experts share the items you should never leave in an unheated garage during winter, plus safer alternatives—and where smart insurance coverage fits in.
**01 of 07
Lithium-Ion Battery Power Tools**
Freezing temperatures can permanently damage lithium-ion batteries, causing failure or, in rare cases, dangerous malfunctions. And unfortunately, insurance rarely covers damage caused by improper storage.
Why it matters for insurance:
Replacement batteries are expensive, and if a malfunction causes a fire, your homeowners’ policy may only cover the incident if the tools were stored safely.
Better option:
Store power tools and battery packs in temperature-controlled areas like a utility room or office.
**02 of 07
Paint, Stains, and Sealants**
When these freeze, they separate and become unusable—something most policies won’t reimburse because it’s considered a maintenance issue.
Why it matters for insurance:
If a leaking, frozen paint can damages the floor or walls, that part may be covered, but the ruined products won’t be.
Better option:
Keep them in an interior closet, basement, or insulated cabinet that stays above freezing.
**03 of 07
Propane Cylinders**
Propane tanks shouldn’t sit near vehicles or tools that can spark. Cold air isn’t the enemy—accidental ignition risk is. Many winter garage fires begin with fuel stored improperly.
Why it matters for insurance:
Fire claims caused by hazardous storage can lead to coverage issues, higher deductibles, or even denial depending on the policy.
Better option:
Use a ventilated outdoor shed designed for fuel storage.
**04 of 07
Canned Food or Pantry Overflow**
Temperature swings can make cans burst or spoil long before their expiration date. Bugs can also become a problem.
Why it matters for insurance:
Spoiled food is generally not covered unless due to a covered event (like a power outage). Damage caused by pests is also typically excluded.
Better option:
Use a basement pantry, inside closet, or sealed bins in a climate-controlled space.
**05 of 07
Electronics**
Moisture in garages can ruin gadgets—even those stored inside plastic bins.
Why it matters for insurance:
Electronics damaged by humidity or poor storage usually aren’t covered. Policies typically exclude “gradual deterioration.”
Better option:
Store devices in clear bins inside an office or closet, keeping cords organized.
**06 of 07
Linens and Clothes**
Fabric absorbs moisture, leading to mildew, odors, or pest infestations.
Why it matters for insurance:
Mold and mildew damage is often excluded or covered only in very specific circumstances.
Better option:
Use clear, sealed bins inside the home or a climate-controlled basement.
**07 of 07
Photos or Artwork**
These sentimental and sometimes irreplaceable items are extremely sensitive to temperature swings.
Why it matters for insurance:
Photos and personal keepsakes have limited coverage unless you’ve scheduled them separately. Improper storage can also void certain protections.
Better option:
Keep photos, documents, and artwork indoors in archival boxes or climate-stable spaces.
Protecting Your Belongings Goes Beyond Storage
Winter is harsh on household items—but so is insufficient insurance. Many homeowners don’t realize how limited standard coverage can be for personal property, especially when damage comes from improper storage, temperature changes, or pests.
If you want to:
✔ Protect expensive tools, equipment, and keepsakes
✔ Add coverage for valuables or collectibles
✔ Ensure winter-related accidents are covered
✔ Lower your risk of out-of-pocket replacements
—this is the perfect time to review or update your home and contents insurance.
