 To protect her home and family in a disaster, Karen was willing to wade through water, mud, and insurance paperwork. Yeah, I can do this. You go, Karen! By simply understanding and updating what her insurance covers and doesn't cover now, she'll be better prepared no matter when disaster strikes. Learn other simple ways to protect your home and family before a natural disaster at Ready.gov. That's Ready.gov. A message from FEMA and the Ad Council.