Typically, your homeowners insurance will cover a detached garage thanks to the “Coverage B” on your policy. This coverage protects structures other than your home that are on your property. A detached garage or shed would fall under that category. It is important to let your agent know about any other structures on your property so they can be listed on your policy. Also, make sure if there is anything valuable in the garage your agent knows about that. While your tools and camping equipment stored in there may be covered, other items that are more valuable may require more coverage.
Your homeowners insurance policy should offer you the coverage you need at a great price! Talk to your agent today if you have specific questions about your policy or coverage.