homo winter gear
Winter clothes such as jackets, pompom snow hats and baseball caps, worn instead of impressive winter gear such as overcoats, plain skullcaps and deerstalker hats. So called because such winter gear is typically worn by gay guys or pansies.
Because gay fellows or pansies are denied liability insurance, they are only entitled to wear homo winter gear such as winter jackets and pompom snowhats or baseball caps. Homo winter gear does not require liability insurance.

"I'm sorry, Kenny," said the claims examiner, "but because you cannot afford liability insurance due to the big H-shaped hole in your wall, you may only wear homo winter gear, such as a winter jacket and a baseball cap or even a pompom snow hat. I know you'll look like a pansy, but that's the way it is."