"Detached structures" refers to buildings or units that are separate from the main or central structure. These structures are not physically connected to other buildings or units and are usually located on their own. Full definition
Basic home insurance protects things that are valuable to you — your home, attached and detached structures such as shed, and garage. (compareinsurancesonline.ca)
Good news is - under most standard home insurance policys - sheds, garages and other detached structures on your property are covered against damage caused by wind / hail / fire. (homeinsurance.com)
Most policies also cover detached structures such as a garage, tool shed or gazebo — generally for about 10 percent of the amount of insurance you have on the structure of the house. (iii.org)