Sheltered terrace with girl outside (7)
I believe the answer is:
veranda
'sheltered terrace' is the definition.
(I've seen this before)
'with girl outside' is the wordplay.
'with' becomes 'and'.
'girl' becomes 'vera' ().
'outside' is an insertion indicator.
'and' inserted inside 'vera' is 'VERANDA'.
(Other definitions for veranda that I've seen before include "Roofed open terrace alongside a house" , "balcony" , "Stoop" , "Porch along the outside of a building" , "Sheltered terrace attached to a house" .)