As some may remember, I recently moved from the "relative safety" of high ground in the city to a barrier island that will be under 20 feet of water in any major hurricane.

As part of my preps I determined that by June 1 I would have reviewed my insurance policies. As a part of this review, I discovered that my renter's policy would not have paid if my house was washed away by a storm surge. As housefire and storm surge are the two most likely reasons for me to lose all of my worldly possessions, this was unacceptable.

About $175 later, I now have flood insurance, and feel comfortable that if I need to leave in a hurry with my wife, kids, and a few treasured possessions as a cat 5 storm heads up the coast, the rest of my stuff will be replaced by a nice fat insurance check.

It actually felt pretty good to write that check. . . I'd recommend that everyone sit down with an agent and review their insurance at least one a year. It would be awful to discover you didn't have the coverage you thought you had after you had filed a claim. (and no, I don't sell P&C insurance)