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| We have insurance for all areas of our life. Photo courtesy of aiche.org |
I’ve
always had a love/hate relationship with insurance. I hated it because I had to
pay around $150 a month on insurance, which was double the amount as I spent on
gas monthly. I hated it because I never really needed to use it. I got in a
couple fender benders, but nothing too serious. One of the fender benders
caused me to have to get a new bumper, and the total cost for parts and labor
was just a couple hundred dollars over my $1,000 deductible. So I paid for it
out of pocket. What good is insurance if you can’t even use it?
Insurance isn’t all bad though. It’s
required if you own a vehicle. It’s a must have if you own a house. It’s a
necessity to have health insurance so you can go to the hospital if needed.
There are several other types of insurance that are less necessary but still
highly recommended to have, such as dental or life insurance. We need these to
fall back on if an accident happens. If somebody crashes into our car and the
damage climbs north of $5,000; if your house is damaged severely in a
flashflood; if you break your arm and need to go to the emergency room — all
these situations need insurance.
One type of insurance that isn’t
talked about nearly often enough is emergency preparedness insurance. Have you
ever heard of it? Neither have I. It’s not officially a thing, but it should
be. Think about it, if you crash your car, you call AAA. If your house is
damaged by a flood, you call your insurance agent. If you break your arm, you
go to the hospital, with your insurance card in hand. What if a disaster
strikes?
What if the U.S. is hit by a
biological weapon that spreads a deadly contagious disease? What if you’re city
is threatened by a nuclear attack? What if there is another financial collapse
that makes the 2007 collapse seem tiny?
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| Photo courtesy of startprepping.org |
All of these situations are
potential disasters that could strike at any time. They might happen tomorrow
or in 20 years, or not at all. The only way to make it through if they happen
is to be prepared. Stocking up on emergency food and supplies is a kind of
insurance. If you have to leave your home and survive in the wild for a few
weeks, you’re going to need water, food, and the proper equipment. You won’t be
able to go to the store and get these during an emergency. You’ll need to be
prepared beforehand.
If a financial collapse happens and
you lose your job, you’ll be stuck at home and out of luck for a while. It
might be a few weeks before you find a new job, or maybe even a few months. In
any case, you need to be prepared to live off of what you have. If you stock up
on emergency food, you’ll be fine until you get your next job and paycheck.
One of the things I hate about
insurance is that something really bad has to happen for you to use it. You
have to crash your car to get your money’s worth after paying for years of car
insurance — and if you do, your rates skyrocket up. If you’re a perfect driver
and never get in an accident in 50 years of driving, you still have to pay for
insurance. You’ll have a much lower monthly rate than a bad driver, but you’ll
never get the tens of thousands of dollars you’ve spent on insurance over the
years back. It’s the same with health insurance, the same with home insurance,
and dental insurance.
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| Food insurance is something that you can use anytime. Photo courtesy of preppingissexy.com |
With emergency preparedness
insurance, you can use it any time, you don’t have to wait for a disaster to
strike. If you have dozens of pouches of freeze dried beef stroganoff stored up
in case of an emergency, you can simply take them down and eat them anytime.
Grab a couple pouches when you go camping and enjoy the food out in nature.
Grab a pouch when you’re feeling too tired to cook dinner. All it takes is hot
water and you’ve got a delicious meal. Then replace them later to make sure you
have enough for an emergency.
You can use your emergency water
storage to drink regularly, or to water your plants. You can use your emergency
supplies when you go camping. The point is, you don’t have to wait for a
disaster to strike. You can use your emergency food, water, and gear anytime.
They’re physical things you actually have in your possession.
Get your emergency food insurance at www.prepandsave.com
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