Prepare Yourself for a Disaster
Keep an up-to-date home inventory to get fast service on any insurance claims, and to minimize disputes.
Keep an up-to-date home inventory to get fast service on any insurance claims, and to minimize disputes. Take photos or make a video of everything in your home, then store a copy in a safe place outside the house, along with receipts for valuable possessions. The Insurance Information Institute's Know Your Stuff Web site can help.
Build an emergency fund. Keep at least three to six months' worth of living expenses in a money-market or savings account that you can easily access without penalty in an emergency. Bump up your savings if you have a high-deductible homeowners policy and might need more cash.
Store some cash and important papers -- including insurance policies plus contact information for your insurer, bank, lenders and others -- in a box that you can grab quickly if you're evacuated.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Make sure you have enough homeowners insurance. (See how to protect your home and valuables.)
The Federal Alliance for Safe Homes offers advice on protecting your home in the event of a common disaster. Also look into insurance discounts or state assistance if you storm-proof your home by adding shutters or a reinforced roof. Florida's My Safe Florida Home program gives grants of up to $5,000 to help homeowners in high-risk areas.
START NEXT SECTION: Get Your Credit Report in a Flash
JUMP TO:
Finance
Credit
Retirement
Investing
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.
-
8 Rules for Choosing the Right Financial Adviser
Not all advisers are created equal. Here's how to find one qualified to manage your wealth and protect your legacy. From verifying credentials to trusting your gut, follow these rules to find a financial adviser.
-
A Hated TSA Rule Was Finally Phased Out
After nearly 20 years, the TSA is ending its shoes-off policy. Travelers will still need a Real ID, and advanced screening remains in place. Here’s what to expect on your next flight.
-
Amazon Resale: Where Amazon Prime Returns Become Your Online Bargains
Feature Amazon Resale products may have some imperfections, but that often leads to wildly discounted prices.
-
Roth IRA Contribution Limits for 2025
Roth IRAs Roth IRA contribution limits have gone up. Here's what you need to know.
-
Four Tips for Renting Out Your Home on Airbnb
real estate Here's what you should know before listing your home on Airbnb.
-
Five Ways to a Cheap Last-Minute Vacation
Travel It is possible to pull off a cheap last-minute vacation. Here are some tips to make it happen.
-
How Much Life Insurance Do You Need?
insurance When assessing how much life insurance you need, take a systematic approach instead of relying on rules of thumb.
-
When Is Amazon Prime Day? Everything We Know, Plus the Best Deals on Apple, Samsung and More
Amazon Prime Amazon Prime Day is four days this year. Here are the key details you need to know, plus some of our favorite deals to shop during the sale.
-
How to Shop for Life Insurance in 3 Easy Steps
insurance Shopping for life insurance? You may be able to estimate how much you need online, but that's just the start of your search.
-
Five Ways to Shop for a Low Mortgage Rate
Becoming a Homeowner Mortgage rates are high this year, but you can still find an affordable loan with these tips.