The best insurance you can by is a generator, right after we moved to where we are now it seemed like the power was off almost a much as it was on. So we bought a portable that I mounted in a garden trailer to make it easy to move out of the separate garage to the house, after we got the generator we seldom had an outage.
We never considered a PTO generator simply because the tractor was needed for other things plus it liked gas a lot more than the little air cooled engine did.
The longest we ever had to use the portable (when it paid for itself) was after an ice storm when power was out for 9 days, it took us 4 days to clear the road to get out. We had heat, water and could fix meals as long as we managed what was on at any one time. Two years ago we agreed it was getting to be a problem moving the generator when it was needed so we had a whole house Generac installed. It has run about 3 or 4 times for outages, the longest being about 3 hours. It was sure nice to have the AC and everything working normally with no effort on my part. The biggest benefit is I do not have to worry should the power go off while I am gone and she is home alone, best money ever spent IMHO.