National Preparedness Month—Is Your Insurance Ready for a Disaster?
September is National Preparedness Month, and while you may be checking flashlights and emergency kits, don’t forget one of the most critical aspects of disaster readiness: your insurance.
Why Insurance is a Key Part of Emergency Planning
Natural disasters like wildfires, floods, and earthquakes can strike without warning. Your insurance is the financial safety net that helps you rebuild afterward—but only if it’s up to date and sufficient.
Here’s how to make sure it is:
- Create or update your home inventory: Document furniture, electronics, valuables, and appliances. Photos, serial numbers, and receipts make claims faster and smoother.
- Review your homeowners or renters’ policy: Do you have enough coverage to rebuild? Have you accounted for rising construction costs?
- Know what’s not covered: Flood and earthquake damage usually require separate policies. If you live in a high-risk area, now is the time to consider adding them.
Plan Now, Recover Faster
You hope you’ll never need to file a disaster claim—but if the worst happens, you’ll be glad you prepared. Emergency kits help you stay safe. The right coverage helps you bounce back.
Matt Clark, Partner, Personal Lines
