Be open & honest: Children are curious about the world surrounding them. This includes wondering about people they see who are homeless. Answer your child's questions openly and honestly and to the best of your ability.
Keep it age-appropriate: Children of different ages are going to have different concerns. Younger children may be worried about their own safety or the well-being of their family. Older children may have more extensive questions on the issue of homelessness itself.
Break down stereotypes: Focus on being empathetic, breaking down stereotypes, and helping your child see homeless people as people first.
Consider your own background and values: There is no single correct way to talk to your children about homelessness. But how you do talk to your children should be informed by your values and your family's background.
Tie it to action: There is no better way to help your children (and yourself) understand homelessness than tying your words to actions.