I am with CANOEDOGS, my emergency troubles will proabably arise of some outdoor adventure going wrong, either at work or on leisure time (e.g. sink boat, crash snowmobile, get lost, truck accident, ditch plane, violent confrontation, etc).

I live in a very stable, safe place; the most common thing that happens at home is power outages due to winter storms or high winds. Other things to consider would be a house fire or toxic spill on the nearby highway/railroad.

Mike