You must have insurance that fits the expected need.
Ideally you can store, invest or use the things for emergencies.
Regardless of ones location these are the minimums: [More becomes an investment or barter item]
Water:
30-50 Gallons of stored clean water. [10 Gal Per Fam member]
Access to water, either direct, filtration or power purified.
Food:
90 Days per family Member.
Sprouts are smart and store small and can produce planting crops.
http://www.wheatgrasskits.com/seed.htm
Sprout machine with LED grow lights and power production.
Learn to garden now. Learn to can Now. Plant year round ... Garlic in Winter. Crops in Summer. Overbuy seed.
Food cooking and prep equipment.
Root cellar. [Keeps carrots, potatoes, Beets, Garlic and Onions fresh.]
Protection:
Pistol w/200 rounds [Must have holster]
Semi-auto Rifle w/200 rounds [Short range to beyond yelling distance range]
Shotgun w/100 rounds
Motion Sensor Alarms
Large Dog
Motion Sensor Lights
High power LED Flashlights
Stun Gun
Pepper Spray
Location:
Safe where you are or where you plan to set camp
Make friends with local farmers that will need protection
Buy brown eggs from them to start relationship
Transportation:
Truck with good 6-8 ply tires and ability to haul you, family and ass.
Some fuel storage for rig and generator.
Energy:
AGM Battery bank [For energy overstock]
Inverter
Small efficient Generator w/fuel
Power generation via solar, wind or hydro
Energy units will be the new money, so build your bank now.
Health provisioning products:
Vitamins and Mineral and herbal or healing property items from intestinal cleansers to colloidal silver and beyond. Preventative meds. A "Real" first aid kit preferably with Chitosan for massive tissue trauma.
Communication:
Short Wave
Police Radio
Ham or CB
There is a lot that can be done here and it depends on if you have a group you are connected to.
Get all dental work done right now. Do not delay.
After filling out these areas then expand to other things like low power use entertainment. Low power use LED TV with DVD player and lots of DVD titles. Heck ... you can get potassium iodate and clinoptilolite for nuclear fallout even. Everything from chainsaws to bribe or Barter items like Cigars, Cigarettes, Coffee, Drugs ???
Get in shape, learn to survive situations. Argentina 99'
http://www.silverbearcafe.com/private/10.08/tshtf1.html