National Preparedness Month: Is Your Home Emergency-Ready?

September is National Preparedness Month, a timely reminder for families to plan ahead and protect their homes against the unexpected. Whether it’s a powerful storm, a sudden power outage, or an unforeseen accident, taking small steps now can make a big difference when an emergency strikes.

Here are some key ways to make sure your home is truly emergency-ready:

1. Build (or Refresh) Your Emergency Kit

Every home should have a well-stocked emergency kit that’s easy to access. Essentials include:

• Flashlights and extra batteries

• A first-aid kit

• Bottled water and non-perishable food (3 days’ worth per person)

• Phone chargers and power banks

• Blankets and extra clothing

• Important medications and copies of personal documents
  

Tip: Check your kit every year to replace expired food, update prescriptions, and refresh supplies.

2. Save a Home Inventory Before a Storm Hits

If disaster strikes, having a detailed home inventory makes filing an insurance claim faster and easier. Document your belongings with photos or video, and keep a written list of valuables like electronics, furniture, and jewelry. Store it digitally (cloud or secure app) so it’s safe even if your home isn’t.

3. Review Your Home Insurance Coverage

Natural disasters, fires, and water damage can create costly setbacks. Reviewing your homeowner’s insurance ensures you’re covered for the risks most common in your area. For example:

• Do you have flood insurance if you live in a flood-prone area?

• Is your personal property coverage high enough to replace belongings if damaged or lost?

• Have you updated your home inventory to include new electronics, furniture, or valuables?
  

An annual policy review can give you peace of mind that your protection keeps up with your lifestyle.

4. Prepare Your Home for Severe Weather

Preventative measures can minimize damage and keep your family safe:

• Trim trees and clear gutters to reduce storm hazards.

• Test smoke alarms, carbon monoxide detectors, and sump pumps.

• Secure heavy furniture or outdoor items that could cause damage in strong winds.

• Identify safe spots in your home for shelter during storms or earthquakes.
  

5. Make a Family Emergency Plan

An emergency is easier to manage when everyone knows what to do. Discuss with your family:

• Where to meet if you need to leave home quickly.

• Who to call if you’re separated.

• How to turn off utilities like gas, electricity, or water.

• Emergency contacts for neighbors, relatives, or friends.
  

Practice your plan regularly, especially if you have young children.

6. Don’t Forget About Financial Preparedness

Emergencies don’t just affect safety—they can also strain your finances. Having copies of important insurance policies, banking information, and identification in a safe, waterproof container will help you recover faster. Consider using digital backups as well.

Being prepared doesn’t have to be overwhelming—it’s about taking small, intentional steps that safeguard your home, your loved ones, and your future.

At Cushman Insurance, we’re here to help you navigate the unexpected with the right protection in place. This September, take time to review your plan and make sure your home is truly emergency-ready.

📞 Ready to review your coverage? Contact Cushman Insurance today to schedule your policy check-up.