im not sure of where you live, but does having a garage clause make that much of a differenct to your policy?
Due to the other daft restrictions the garage clause imposes, i decided not to have it, so i could put up any sort of shed.. i bought a 10x13 metal shed for 400£ and the whole thing cost about £500 to put up.. it was cheap anc cheerful but kept it all dry... i even ran electric to it.... it was great!
i will proably do the same thing again when i move and if i can still afford a bike that is...
hope that helps a little..
Alex