It is often thought that if a fire or other damage is done to a detached accessory structure, or garage, the structure will be covered in full by the existing home insurance. The unfortunate truth is although insurance coverages vary, quite often detached buildings like a garage are only covered to the extent of ten percent of the house coverage. Example: if your house is covered with a $350,000 policy, your garage may only be covered up to $35,000, which may be well short of the current market’s replacement cost. Talk with your carrier about an insurance rider that can be purchased to correct any gap in coverage at a minimal cost.