They sound like separate buildings to be since you said they are on separate parcels.
Determine Single Building Eligibility
To qualify as a single-building structure, subject to the single-building limits of coverage, a building must be:
• Separated from other buildings by intervening clear space; or
• Separated into divisions by solid vertical load-bearing walls.
– These walls must divide the building from its lowest level to its highest ceiling and have no openings.
– If there is access through the division wall by a doorway or other opening, the structure must be insured as one building unless it meets all of the following criteria:
> It is a separately titled building contiguous to the ground;
> It has a separate legal description; and
> It is regarded as a separate property for other real estate purposes, meaning that it has most of its own utilities and may be deeded, conveyed, and taxed separately.
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