Personal preparedness means different things depending on who you are and what your situation is. To an inhabitant of the Florida Keys, preparedness means having items to outlast a hurricane. To a city dweller, preparedness might be having a can of mace in her purse. To a survivalist, preparedness might mean having a semi trailer loaded with M14 rifles buried in the back yard. Depending on the situation, any of these definitions might be appropriate.

Personal preparedness is simply knowing what dangers are likely to befall you and taking reasonable precautions to avoid or survive them. In today's modern world, insurance is a required item. No one laughs at a car owner that buys a full coverage policy for his or her car. As a matter of fact, a driver that fails to insure their car is looked upon as irresponsible, sometimes even criminal. The same thing can be said about homeowner's or renter