Can you insure your bike for 6 months and garage it the other 6 that you wont ride it or do you need to insure it year round?

Most insurance companies don't like to see someone keep a vehicle around that isn't insured. They'll often charge quite a price when you go to re-insure it. Talk to a couple agents in the area and see what their policies are. You might be able to find someone who is reasonable.