{"id":63737,"date":"2026-08-21T09:42:13","date_gmt":"2026-08-21T15:42:13","guid":{"rendered":"https:\/\/www.callicottinsurance.com\/ms\/posts-news\/family-emergency-kit-essentials-extras\/"},"modified":"2026-08-21T09:42:13","modified_gmt":"2026-08-21T15:42:13","slug":"family-emergency-kit-essentials-extras","status":"publish","type":"post","link":"https:\/\/www.callicottinsurance.com\/ms\/posts-news\/family-emergency-kit-essentials-extras\/","title":{"rendered":"Building a Family Emergency Kit: Essentials, Extras and Insurance"},"content":{"rendered":"\n<div class=\"bpsc-article\"><p class=\"bpsc-lede\">A blizzard knocks out power for four days. A flash flood warning sends you out the door in fifteen minutes. A hurricane closes stores across the region. Emergencies rarely leave time to shop, which is why a ready-to-go kit is one of the most useful things a household can own. The good news is that you probably have half of it already scattered around the house.<\/p><div class=\"bpsc-takeaways\"><p class=\"bpsc-takeaways__title\">Key Takeaways<\/p><ul><li>The federal Ready campaign suggests at least three days of supplies for evacuation; the American Red Cross recommends about two weeks if you shelter at home.<\/li><li>Build your kit in layers: core survival items first, then personal and seasonal extras.<\/li><li>Store everything in a sturdy, waterproof container that one person can carry.<\/li><li>Review your insurance before storm season, since coverage often cannot be bought or changed when a storm is imminent.<\/li><\/ul><\/div><h2>Plan Before You Pack<\/h2><p>A kit works best as part of a simple family plan. Take ten minutes to answer a few questions together: Where will we meet if we get separated? Who is our out-of-area contact? Which hazards are most likely where we live? A kit for a family in hurricane country looks different from one in tornado alley or snow country.<\/p><p>Also decide whether you are more likely to evacuate or shelter in place. The federal government&#8217;s Ready campaign recommends supplies for at least three days. For sheltering at home, the American Red Cross suggests planning for around two weeks.<\/p><div class=\"bpsc-callout bpsc-callout--tip\"><p class=\"bpsc-callout__label\">Pro Tip<\/p><p>Pack two versions: a grab-and-go bag for evacuation and a larger stockpile at home. The bag holds the essentials for three days; the home supply covers a longer outage.<\/p><\/div><h2>Layer One: The Core Supplies<\/h2><p>Start here. These are the items that keep everyone safe, hydrated, fed and informed.<\/p><ul class=\"bpsc-checklist\"><li>Water, about one gallon per person per day<\/li><li>Non-perishable food that needs little or no cooking<\/li><li>Manual can opener<\/li><li>Flashlights or headlamps, plus extra batteries<\/li><li>Battery-powered or hand-crank weather radio<\/li><li>First aid kit<\/li><li>Whistle to signal for help<\/li><li>Dust masks or N95 respirators<\/li><li>Wrench or pliers to shut off utilities<\/li><li>Plastic sheeting and duct tape<\/li><li>Moist towelettes, garbage bags and plastic ties for sanitation<\/li><li>Paper maps of your area<\/li><li>Phone charger and a power bank or solar charger<\/li><li>Some cash in small bills, since card readers fail without power<\/li><\/ul><h2>Layer Two: Your Family&#8217;s Personal Needs<\/h2><p>Next, tailor the kit to the people and pets who depend on it.<\/p><ul><li><strong>Health:<\/strong> a supply of prescription medications, common over-the-counter remedies, spare eyeglasses and contact lens solution<\/li><li><strong>Little ones:<\/strong> formula, bottles, diapers, wipes and a comfort item<\/li><li><strong>Hygiene:<\/strong> toothbrushes, soap, feminine products and hand sanitizer<\/li><li><strong>Pets:<\/strong> food, water, leashes, carriers, medications and vaccination records<\/li><li><strong>Comfort:<\/strong> a change of clothes and sturdy shoes for each person, plus blankets or sleeping bags<\/li><li><strong>Morale:<\/strong> cards, books or small games, especially for kids<\/li><\/ul><h2>Layer Three: Seasonal and Regional Extras<\/h2><div class=\"bpsc-table-wrap\"><table class=\"bpsc-table\"><thead><tr><th>Risk<\/th><th>Add to your kit<\/th><\/tr><\/thead><tbody><tr><td>Winter storms<\/td><td>Extra blankets, hand warmers, hats and gloves, rock salt<\/td><\/tr><tr><td>Hurricanes and flooding<\/td><td>Waterproof boots, extra plastic bins, a life jacket for each person in high-risk areas<\/td><\/tr><tr><td>Wildfire smoke<\/td><td>Extra N95 masks, goggles, a portable air purifier if you have power<\/td><\/tr><tr><td>Extended outages<\/td><td>Matches in a waterproof container, a fire extinguisher, unscented bleach and a dropper for water disinfection<\/td><\/tr><\/tbody><\/table><\/div><div class=\"bpsc-callout bpsc-callout--warning\"><p class=\"bpsc-callout__label\">Safety First<\/p><p>If you use a portable generator, run it outdoors only, well away from doors, windows and vents. Carbon monoxide can build up quickly and is invisible and odorless. Never use grills or camp stoves indoors.<\/p><\/div><h2>Don&#8217;t Forget the Paperwork<\/h2><p>After a disaster, being able to prove who you are and what you owned makes everything from insurance claims to aid applications go faster. Keep copies of these in a waterproof pouch, and back them up digitally:<\/p><ul><li>Insurance policies and your agent&#8217;s phone number<\/li><li>IDs, birth certificates and passports<\/li><li>Deeds, titles and lease documents<\/li><li>Medical information and prescription lists<\/li><li>A home inventory video or list of your belongings<\/li><\/ul><h2>The Insurance Step Most People Skip<\/h2><p>Packing a kit protects your family during the emergency. Your insurance protects your finances afterward. Many insurers stop writing new policies or allowing coverage changes once a named storm or major weather event is approaching, a practice often called a binding moratorium. Flood insurance through the National Flood Insurance Program also generally has a waiting period before it takes effect.<\/p><ol class=\"bpsc-steps\"><li><strong>Review limits.<\/strong> Make sure your dwelling coverage reflects today&#8217;s rebuilding costs.<\/li><li><strong>Check your deductibles.<\/strong> Some areas have separate wind or hurricane deductibles.<\/li><li><strong>Look for water gaps.<\/strong> Flood and sewer backup are usually excluded from standard policies.<\/li><li><strong>Confirm loss of use coverage.<\/strong> It can help with hotel and meal costs if you cannot stay home.<\/li><\/ol><p>The best time for that review is a calm, sunny day. The team at Callicott Insurance Agency is glad to go over it with you.<\/p><div class=\"bpsc-faq\"><h2>Frequently Asked Questions<\/h2><details><summary>How often should I update my emergency kit?<\/summary><p>Check it at least once a year, and twice if you can. Replace expired food, water, medications and batteries, and update clothing as children grow.<\/p><\/details><details><summary>Is it better to buy a pre-made kit or build my own?<\/summary><p>Either works. Pre-made kits are convenient, but you will still want to add medications, documents and items specific to your family.<\/p><\/details><details><summary>Where should I store my kit?<\/summary><p>Somewhere cool, dry and easy to reach, near an exit. Some families keep a smaller kit in each car as well.<\/p><\/details><details><summary>Can I add flood insurance when a storm is coming?<\/summary><p>Usually not in time. Flood policies generally have a waiting period, and insurers often pause new coverage when a storm is imminent.<\/p><\/details><\/div><div class=\"bpsc-cta\"><p class=\"bpsc-cta__title\">Prepare Your Policy, Too<\/p><p>Your kit is packed. Now let Callicott Insurance Agency help make sure your home and auto coverage are ready for whatever the season brings.<\/p><\/div><p class=\"bpsc-disclaimer\">This article is for general information only. Coverage varies by insurer, policy and state; review your own policy or talk with a licensed agent about your situation.<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Power outages, storms and evacuations happen with little warning. 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