How much coverage is actually available for detached structures? Most policies commonly list 10% of the dwelling limit for other structures — but that’s not always the case. I’ve seen situations with significantly higher limits, and I’ve also seen contractors assume 10% without verifying the policy. When you’re dealing with multiple outbuildings, detached garages, fences, or barns, it’s critical to understand the actual limit available. And remember — that coverage is usually one shared bucket.