Today we all have tons of gadgets. We have Smartphones, eReaders, notebooks and tablets. Sometimes we have all of them, (and more) especially if you're a technology junky, like me.   But, having all that technology can  be super costly. If you've never experienced the types of emergencies I have, let me share with you for a moment.

April 27th, 2011 there were many horrible tornadoes where I live in Alabama. I was a lucky person because my home was not destroyed. My life and my children's and families lives were spared. But, my technology was harmed due to a lightning strike. As a freelancer I must work, or I don't get paid. Even after a tragedy like this I had deadlines to meet,  and meet them I would. One way or another. I was prepared.

What's worse, our electricity was off due to the tornado hitting a major power plant. I went on a trip to find electricity and my Smartphone was stolen. Considering that was the only technology I had to keep me connected to my business I knew I was in trouble. Fortunately, I had a good insurance policy which actually paid to get my computers fixed, (and my husband's non smart phone) and replaced my phone and other devices fast. If you don't think it can happen to you, guess what -- it happened to me again just this year. If it can happen to me two years in a row, it can happen to anyone.

We had a bad storm and another tornado, lightening struck again and parts of my computer were completely fried. Again, insurance came to the rescue. When you have a small business, especially when you're a soloprenuer or freelancer, it's very important to ensure that you protect yourself from either theft or damage that can happen to your devices. The small price I paid for my insurance was nothing to the cost of my TV, my PC, my laptop (which was plugged up to the wall!) and my Fridge! If I had to pay to replace all those devices twice, I would be in deep debt. I don't like having consumer debt at all, and I paid cash for all my technology and appliances, but not all at once!

Soon, I was back up and running. The only thing I wish I had done differently the first time is that I wish I had finished my transition over to Dropbox before the tornadoes hit, because I didn't have every one of my client files due to that. I did have everything in my external drive which was not damaged the first time, but was damaged the second time around. Thank goodness that time I had Dropbox fully implemented. The thing is, you never know when something is going to happen. It's a good idea to take a look at your business processes and assets to ensure that you're prepared for any eventuality.

So, my questions for you are: Are you prepared? What are the ways in which you have prepared for an event like your technology was stolen or damaged due to a power surge?

Stephanie writes content for a variety of reputable businesses including ProtectYourBubble.com, having contributed over 400 blog posts, lending her business and technology expertise across the interwebs.

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