Chic vs. Geek: Being Prepared

With wildfires burning in our backyard and hurricanes seemingly battering the East Coast every year, disaster insurance sounds like a good idea. What do you think?

CHIC (PEARL)

Like anything else in real estate, it’s all about location, location, location. If you live in a flood plain, you should consider flood insurance. Have a home in the mountains? Fire insurance may come in handy. And if you live anywhere in California, you know that earthquake insurance is a smart investment. For more immediate needs, here’s a guide to building an emergency prep kit.

GEEK (KEVIN)

What I think is you shouldn’t overthink this. Do you want to be just another statistic? Left out in the cold and up to your eyeballs in debt when your house burns down or washes away? Get the insurance. Pay the premiums. It’s worth the investment, even if it’s just for the peace of mind. And make sure you have all of your most valuable documents ready to grab and go with this checklist.