Make Sure Your Policy Covers Freak Disasters

Floridians know how to prepare for hurricanes. San Franciscans are versed in how to act in an earthquake.

But New Yorkers have little experience with cyclones -- unless you're talking about the famed roller-coaster at Coney Island.

So when a twister touched down in Brooklyn, N.Y, earlier this month, many residents --including me -- were left wondering whether they are covered for disasters that rarely happen in their region. ...