There are different types of homeowner insurance that you may want to look into. Earthquake, flood, and hurricane insurance are normally not covered by traditional homeowner policies and will have to be added at an extra cost. You may want to consult with your insurer to find out if any of these extra policies will benefit you. It's also a good idea to look for additional coverage if you have other valuable items (such as jewelry, rare art pieces, etc.) that may not be fully covered by your traditional home insurance policy.