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Preparedness · Authority Guide

Home Disaster Readiness Beyond Insurance

Insurance pays after a disaster; readiness keeps the home livable during one. Defensible space, generators, and shutoff knowledge matter as much as the policy.

In this guide

  1. 1 · Executive summary
  2. 2 · Key takeaways
  3. 3 · Key strategies
  4. 4 · Pro-tips checklist
  5. 5 · FAQ
  6. 6 · Related guides & tools

Executive summary

Insurance pays after a disaster; readiness keeps the home livable during one. Defensible space, generators, and shutoff knowledge matter as much as the policy.

  • Generator + transfer switch (or interlock)
  • Defensible space around home (wildfire)
  • Sump pump backup

Key takeaways

  • Generator + transfer switch (or interlock)
  • Defensible space around home (wildfire)
  • Sump pump backup
  • Gas and water shutoff knowledge

Key strategies

  1. Strategy 1

    Generator + transfer switch (or interlock)

  2. Strategy 2

    Defensible space around home (wildfire)

  3. Strategy 3

    Sump pump backup

  4. Strategy 4

    Gas and water shutoff knowledge

Pro-tips checklist

  • Test the generator quarterly
  • Photograph home interior annually

FAQ

Is a portable generator enough?

For basics yes; for whole-home, install a standby with transfer switch.