Mostly items that are expensive are tried to be covered by people in the list of orange county insurance, whereas the insurance cover provides you safety for everything and not something specific. Your concern should be that if in case of a natural disaster what items you would like to replace. So you should cover each and every item of your household. Many items that you have collected over the period of many years are difficult to get back in case of a tragedy and hence it is of extreme importance that the insurance cover you have chosen is the right one for you. If not, then in case of unfortunate calamity you may end up paying money out of your pocket to replace the necessary items.