Guest/pool houses. If you have another structure on your home that's fit to live in — that is, it’s equipped with bedrooms and bathrooms and a kitchen — then you're certainly going to want to include it on your policy. It is, effectively, a whole other home right next to yours. It would be foolish not to insure it. 

Tool sheds. A tool shed is easy enough to repair and replace out of pocket. But the contents of a tool shed might be considerably expensive to replace. If you're handy with a hammer, you can build a new shed for a few hundred dollars in lumber, which isn't worth filing a claim for. But the tools may run upwards of $5,000 when you add in lawnmowers, chainsaws and power tools to your collection. Even simple hand tools can add up in cost once you're replacing dozens of them at a time. Keep an inventory of your tool shed the same as you do the possessions inside your home. 

Dog houses. You can buy a new doghouse for $50. If you really want to spoil your dog, you can spend a couple hundred. But the cash value of a doghouse is usually going to peak long before you hit your deductible. It might not be a bad idea to include a portable doghouse, such as a dog Igloo, in your inventory. But it might not be worth the higher premiums to include a permanent dog house as a structure.