A contractor is constructing a free$-$standing garage behind Ernie$$s home at a cost of $$35,000.$ The garage will house Ernie$$s cars which are currently parked outdoors. There are no other outbuildings on the property. Ernie$$s home is insured under a homeowners policy for its full insurable value of $$400,000.$ What, if anything, does Ernie need to do to ensure that he has full coverage for both his home and his garage?