To warn against thieves and fire...Install a comprehensive home security system, including exterior door sensors, motion detectors and a keypad ($2,000, plus $360 for outside monitoring for one year); add monitored heat and smoke sensors ($700); put in motion-sensing floodlights ($300).
Subtotal: $3,360
To safeguard important papers...Store emergency cash, passports, and a copy of your will in a steel home safe that will withstand flood, fire, and theft ($250). Store valuables and papers you access infrequently, such as titles and birth certificates, in a safe-deposit box ($60 for one year).
Subtotal: $310
To prevent storm damage...Get a backup generator ($1,500) and a sump pump to keep your basement from flooding in heavy rains ($1,000); trim hedges and remove dying trees ($1,000 to $3,000). And stock an emergency kit of water, nonperishable food, blankets, and medicines ($200).
Subtotal: $3,700 to $5,700
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