Home owners insurance will have limits on coverage that are designed around the needs of an average home owner.  i.e. they'll assume you might have 15k in electronics, 5k in jewelry, 25k in furniture etc.  As soon as you do something crazy like buying 100k in mining equipment you will need extra coverage purchased specifically to raise your limits to cover that asset class.

The type of peril (fire, storm, etc) has very little to do with this its just about the amount of coverage that you actually purchased.

Also keep in mind that home owners does NOT cover flooding even if that flood was caused by a storm.  If you live somewhere where you may get heavy storms, make sure to buy separate flood insurance to go with your homeowners.

Also a good idea that your property is wired properly, if your setup is clean / pretty even giving a picture to your agent wouldn't hurt.  It establishes that they knew what they were covering when they wrote the policy.