In this week's newsletter, we feature a Safer at Home movie review. The movie is based on the book "Safer At Home: Creating Strong Linked teams in Emergency Situations" by John M. Maxwell. It is interesting and educational and a good read. As the coordinator for a large non-profit organization, I am always amazed at the media coverage of emergency preparedness and how prepared our Public Relations department has become. I was actually glad that we had the foresight to do a movie. It's a good message, and one that should be remembered and practiced.
My biggest beef with the book is the title, which is a bit overstated in my opinion. Although there are many excellent practices that are recommended in the book, it does tend to overstate the case for being Safe at Home. For instance, it recommends encouraging friends and families to work together in a response to a disaster by creating strong, coalitions. Although I agree with the principle, I do not think that creating "coalitions" among friends and family makes much sense in a real-world situation. Moreover, it is generally not suggested that physical distancing would make much difference in an emergency situation, only that communication is important.
I also do not find the suggestions in the book that it offers for safe social distancing to be very helpful in a situation where most people would stay home. I would guess that Maxwell believes that people who do not regularly go out are less likely to be as safe as those who regularly go out. However, in reality, it is usually those people who stay home that are the ones that create threats to emergency personnel and to the general public. I would also speculate that those who go out and are not even really sure what is happening are at a greater risk for having a home invasion or even a home invasion incident.
In light of this, it is important for people to have an Essential Business and Essential Services Policy for their personal residence. It is vital that an individual understand the difference between the two and what each one covers. The essential business would include those things that an individual has a right to demand coverage for under their home policy. It may also include items that are not covered under the home policy, such as damage from a fire caused by a faulty heater, flooding, or any other type of damage that is not protected by the home owner's policies. The essential services would cover the things that an individual would have to pay for on their own, but that they have a responsibility to purchase themselves if they want to be safe and protect their families.
Obviously, it is not enough to simply have insurance coverage for disasters, fires, and other types of emergencies. If the individual lives in a neighborhood that is known for violence or crime, they may leave their homes during a burglary or other type of emergency, but they may also not have access to certain necessities, like smoke alarms and locksmith services, in their homes, should they need them. Safer at Home Policies offer coverage for these types of dangers and may help to make homes safer for everyone who lives there. They can also offer protection against thieves who break into homes to steal people's belongings and commit other crimes. Safer at Home Policies can provide home owners with the peace of mind that their family members are safe and sound while they are away.
Safer at Home Policies can be purchased directly from an insurer, or through their agent and/or broker. There are many independent agents that work to help home owners obtain the proper coverage for their home and their family. An independent agent will have nothing to do with any insurance company, and he or she will represent only the company. In addition to providing a list of companies that offer safe at home insurance, these agents will also be able to provide information about other benefits offered by their company and the price of their policy. When shopping around for these types of policies online, it is important to check out the details of the policy, the coverage provided, and even the financial rating of the company offering the policy. These factors can help to determine which policy is the best one for you and your family.