Hurricane season has arrived and the National Oceanic and Atmospheric Administration is expecting three to six major hurricanes. The season officially started June 1 and experts say there’s a good chance of some big storms. “The United States was fortunate last year. Winds steered most of the season’s tropical storms and all hurricanes away from our coastlines,” Jane Lubchenco, Ph.D., NOAA administrator, said in a statement. “However we can’t count on luck to get us through this season. We need to be prepared, especially with this above-normal outlook.”

Now is the time for homeowners to reevaluate their coverage. According to the Insurance Information Institute (III) homeowners need more than standard home insurance. While wind damage may be covered, flood insurance probably isn’t. You’ll need to purchase that policy separately from the National Flood Insurance Plan. It’s also a good idea to review auto insurance policies. Most comprehensive policies do cover wind damage to autos, but you’ll need to review your coverage to make sure.

III says homeowners should take additional steps as well. These preparation moves include researching flood risk, updating your home inventories and making sure you and your family have an evacuation plan just in case a major storm does blow your way this hurricane season.

Making the most of homeowners insurance takes work. Choosing the right homeowners insurance policy is only one of the steps you have to take.