In most cases, yes. Standard homeowner's insurance policies typically cover detached structures on your property under "other structures" coverage, which is usually a percentage of your home's dwelling coverage. That means your shed, garage, or cabin may already be covered for things like fire, wind, theft, and falling trees.
Call your insurance agent and let them know you're adding a building to your property. They can confirm your coverage, tell you if any adjustments are needed, and make sure you're protected. It's a five-minute call that's worth making.
