Beyond the house: Insuring your deck, fence, and detached garage When homeowners review their policy, their focus often remains on Coverage A: Dwelling, which is the physical structure of the main house. However, a significant portion of a property’s value resides in its external, unattached structures, such as detached garages, fencing, sheds, and gazebos. Cheap Insurance explains how these external structures are covered under a different section of the homeowners insurance policy, usually designated as Coverage B: Other Structures.