I think we can all agree that 2020 has been a rollercoaster. From a pandemic to wild fires it raises the question of whether or not we are prepared for an emergency. There are several things you can do to protect yourself, your family and your belongings in the event of an emergency.
Do you have renters insurance?
There are many reasons to sign up for renters insurance. It's afforadable, it covers the loss and damage of your personal property and many policies also cover liability insurance (if someone is injured in your home). Some of the events that could take place that renters insurance would cover are;
Damage caused by aircraft
Damage caused by vehicles
Fire or lightning
Riot or civil commotion
Vandalism or malicious mischief
Weight of ice, snow or sleet
Windstorm or hail
Damage from water or steam from sources including household appliances, plumbing, heating, air conditioning or fire-protective sprinkler systems
There are many companies that offer renters insurance and if you already have auto insurance you could look into bundling them. For more info on why renter's insurance is so important, click here.
Can you shelter in place for at least three days?
One of the first things your taught when it comes to home or workplace saftey is that you should have enough supplies on hand to shelter in place for at least three days. What does it mean to shelter in place? Sheltering in place means to sustain yourself in your home/work with food, water, blankets, etc and if need be away from windows and doors (this would be in the case of a storm or earthquake). Ready.gov recommends having the following items in an emergency kit:
Water (one gallon per person per day for at least three days, for drinking and sanitation)
Food (at least a three-day supply of non-perishable food)
Battery-powered or hand crank radio and a NOAA Weather Radio with tone alert
First aid kit
Whistle (to signal for help)
Dust mask (to help filter contaminated air)
Plastic sheeting and duct tape (to shelter in place)
Moist towelettes, garbage bags and plastic ties (for personal sanitation)
Wrench or pliers (to turn off utilities)
Manual can opener (for food)
Cell phone with chargers and a backup battery
Putting together an emergency kit so everything in one place is a great way to keep yourself organized and ready when the time comes!
A few more things to think about!
In case of emergency, does your landlord have your most current contact information or emergency contact information?
In case of a disaster or bad weather, where loss of power or roads are unpassable, do you have friends or family you can stay with?
Does your renters insurance cover the cost of a hotel in the event that you need to vacate your apartment?
If there's one thing that 2020 has shown us, it's that we need to be prepared for anything. We hope that these tips have been helpful!