However, what most Americans lack is enough cash on hand to weather a storm.
Nearly half of adults are worried that they will personally contract the coronavirus and fear quarantines will prevent them from working and getting paid, Prudential found.
Roughly 45% are also concerned about investment and retirement savings losses, a number that is up sharply in recent days. (The spread of the coronavirus helped to sink the Dow Jones Industrial Average on Monday, on pace for its worst day since December 2008.)
"Uncertainties in the wake of crises like the coronavirus underscore the need for emergency savings and income protection, yet many workers fear for their financial security," said Jamie Kalamarides, president of Prudential Group Insurance.
Missing work in the weeks ahead could be financially devastating.
In its 2020 Financial Planning Survey, First National Bank of Omaha in Nebraska found that 49% of U.S. adults expect to be living paycheck to paycheck this year and 53% do not have an emergency fund that covers at least three months of expenses.
Just more than 40% of Americans are able to cover an emergency room visit or other unexpected $1,000 expense with their savings, according to a separate financial security survey from personal finance website Bankrate.com.
"The number-one financial regret among Americans tends to be the failure to save for emergencies and for retirement," said Mark Hamrick, senior economic analyst at Bankrate. "This is a time when both of those objectives are quite relevant."
Most financial experts recommend stashing at least a six-month cushion in an emergency fund — and more if you are the sole breadwinner in your family or in business for yourself.
To make the most of that money, snag a significantly higher savings rate by using a high-yield account.
Disclosure: NBCUniversal and Comcast Ventures are investors in Acorns.