Homeowners InsuranceFirst of all, you need to make sure you purchase homeowners insurance to protect your house against a disaster or act of nature. Homeowners insurance should cover acts of nature such as lightning strikes, fire, strong winds, and hail. According to Bachus & Schanker Law, good homeowner’s insurance policy should also pay for damage done by criminals such as vandalism or burglary. Check with your provider to see what might be missing from your policy and what you should think about adding.
Earthquake and Flood InsuranceEven basic homeowner’s insurance policies won’t cover everything. In certain cases, you may need to purchase extra coverage to protect against certain kinds of disasters more likely to occur in certain areas. You may need earthquake insurance if you live near a fault line and alternatively, you may need flood insurance if you live within a flood plain. Keep in mind that even if earthquakes or flooding happen rarely in an area, it is still a possibility in many parts of the country.
Health InsuranceNot all emergencies affect your property, some affect the livelihood of your family directly, as is the case with medical emergencies. Make sure everyone in your family has adequate health insurance coverage. If you don’t receive health insurance through your employer, purchase it through a state run healthcare exchange to receive a discount from the federal government. Obtaining state healthcare insurance or federal coverage such as Medicaid, Medicare, or health coverage from the Veteran’s Administration is another good option to save money.
Legal RepresentationSome injuries are the result of the negligence or malicious acts of others. You or your family members may have received a significant disability due to the action or lack of action of another party. However, health insurance may not provide for everything in this situation such as loss of income or loss of quality of life. If this is the case, it may be best to contact a personal injury lawyer in Denver or your local areas to represent you or your family members in court. Civil court exists to help correct losses brought on by the negligence of others.
These of course are only a few of the things you should do to protect your family members and home against disaster. Stay vigilant and be proactive about providing physical and financial security for your family. You’ll be able to rest much easier if you do.
Eileen O'Shanassy is a freelance writer and blogger based out of Flagstaff, AZ. She writes on a variety of topics and loves to research and write. She enjoys baking, biking, and kayaking. Check out her Twitter @eileenoshanassy.