Aren't you screwed if you can't get access to your home for whatever reason ? That hopefully would only happen in extremely rare conditions, but that's not a r

Aren't you screwed if you can't get access to your home for whatever reason ? That hopefully would only happen in extremely rare conditions, but that's not a risk everyone would take. Especially in area where losing your home is a very real risk, and you'd be hanging to your data by a string while facing an otherwise already challenging situation.