You may find that other structures coverage is based on a percentage of your dwelling coverage, the Insurance Information Institute says. So, for instance, if you have $300,000 in dwelling coverage, which applies to your house and attached structures, you may have up to $30,000 in coverage for your fence and other unattached structures on your property.

If you're making improvements to your property, such as adding a gazebo, you may want to review your other structures coverage limits to help ensure you have enough protection in place to help pay to repair or replace unattached structures after a covered loss.

Other considerations

Maybe you're confident that you have sufficient protection in place for your fence or detached garage — but what about the stuff you store inside?

The personal property coverage in a homeowners insurance policy typically helps protect belongings regardless of where you keep them, so you'll likely find you have coverage for items you store in a detached garage, for instance. You can usually adjust your personal property coverage limits based on your needs.