Plain-English meaning
Coverage for qualifying structures separated from the dwelling, commonly labeled Coverage B.
Why it matters
Detached garages, fences, sheds, and similar property may need more than the default limit or different treatment.
Where you may see it
Declarations, property definitions, site plans, and quote questions.
What to verify
Which structures qualify, limit, business or rental use, exclusions, and whether a structure needs scheduling.
Do not confuse it with
Dwelling coverage for attached structures or personal-property coverage for contents.
For policy-specific meaning, read the definition and related provision in the issued policy.