I'd tell that HOA that I'll leave my garage door open after you sign this contract that the HOA will insure the loss of my possessions and indemnify against any and all charges from children or adults who injure themselves on items in my garage.
Or you could sit in your garage in your boxers, in a lawn chair with a cooler of beer next to you and have Lynyrd Skynyrd blasting from a boombox.