Using a sectional title scheme garage for storage

(Updated: 28 January 2025)

A common question in sectional title schemes is whether a residential garage can be used for storage. The answer depends on whether the garage is a section or an exclusive use area, as well as the scheme’s management and conduct rules.

In this regard, we look to Prescribed Management Rule 30(a-f), Conduct Rule 6(1) & (2), and relevant insurance policies, which require the disclosure of material risks and any changes that may affect coverage.

What storage is allowed?

It’s not unusual for owners to store household items in their garages, such as furniture, sports or camping equipment, maintenance tools, and general domestic-use items. As long as the garage remains primarily used for parking a vehicle, minor storage – such as shelving and a workbench – is generally acceptable.

What shouldn’t be stored in a garage?

While limited household storage is permissible, garages in residential schemes should never be used for business operations or for storing items that pose fire, explosion, or health risks. The following should be strictly avoided:

1. Flammable materials (e.g., gas, paint, thinners, turpentine, petrol)
2. Explosives (e.g., fireworks, ammunition)
3. Business stock that increases fire risk (e.g., batteries, chemicals)
4. Hazardous substances (e.g., poisons, narcotics)
5. Live animals (e.g., caged birds, reptiles, rodents)
6. Items causing nuisance (e.g., noise or odour emissions)
7. Loose or unsealed food that may attract pests
8. Perishable goods that could cause unpleasant odours
9. Large amounts of stacked paper or cardboard, which could become a fire hazard

Insurance considerations

Insurance policies require disclosure of any material changes or increased risk exposure. If high-risk items are stored in a garage, the insurer may impose additional conditions, adjust the premium, or refuse cover altogether.

In general, small amounts of household paint and flammable liquids may be stored if they are sealed and kept off the floor to prevent rusting. However, any significant stockpiling of hazardous items should be avoided.

Final thoughts

Trustees are unlikely to approve any high-risk commercial activities in a residential garage. Not only would this be against sectional title scheme rules, but it may also violate municipal zoning laws and town planning regulations.

If in doubt, owners should check their scheme’s rules and insurance requirements before using their garage for anything beyond its primary purpose – housing a vehicle.