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A Multistate Empirical Analysis of Homeowners’ Insurance

Howard C. Kunreuther and Erwann O. Michel-Kerjan

in At War with the Weather: Managing Large-Scale Risks in a New Era of Catastrophes

Published in print:
2009
Published Online:
August 2013
ISBN:
9780262012829
eISBN:
9780262255431
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262012829.003.0010
Subject:
Political Science, Political Economy

The homeowner must choose the best insurance coverage offered in the market. The lowest prices are generally offered by “preferred insurers,” or insurers with more stringent underwriting standards, ... More


Come Rain or Shine: Flood Risk Financing through Public Insurance

Howard C. Kunreuther and Erwann O. Michel-Kerjan

in At War with the Weather: Managing Large-Scale Risks in a New Era of Catastrophes

Published in print:
2009
Published Online:
August 2013
ISBN:
9780262012829
eISBN:
9780262255431
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262012829.003.0004
Subject:
Political Science, Political Economy

This chapter examines the evolution of the National Flood Insurance Program (NFIP) since its creation in 1968 as a means to finance flood risk, focusing on the number of insurance policies in place, ... More


Proposed Innovations for Dealing with Catastrophic Risks

Howard C. Kunreuther and Erwann O. Michel-Kerjan

in At War with the Weather: Managing Large-Scale Risks in a New Era of Catastrophes

Published in print:
2009
Published Online:
August 2013
ISBN:
9780262012829
eISBN:
9780262255431
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262012829.003.0014
Subject:
Political Science, Political Economy

Hurricanes and other natural disasters cause significant damage which, combined with the growing population and assets in high-risk areas, underscores the need for a new approach not only for ... More


Impact of Insurance Status on Economic Welfare of Homeowners in Hazard-Prone Areas: The Affordability Challenge

Howard C. Kunreuther and Erwann O. Michel-Kerjan

in At War with the Weather: Managing Large-Scale Risks in a New Era of Catastrophes

Published in print:
2009
Published Online:
August 2013
ISBN:
9780262012829
eISBN:
9780262255431
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262012829.003.0011
Subject:
Political Science, Political Economy

This chapter examines the impact of insurance status on the economic welfare of homeowners living in hazard-prone areas. In particular, it considers what proportion of homeowners in hazard-prone ... More


Insurance

Sijbren Cnossen

in Modernizing VATs in Africa

Published in print:
2019
Published Online:
September 2019
ISBN:
9780198844075
eISBN:
9780191879722
Item type:
chapter
Publisher:
Oxford University Press
DOI:
10.1093/oso/9780198844075.003.0014
Subject:
Economics and Finance, Macro- and Monetary Economics

Chapter 14 shows that insurance can be included in the VAT base by taxing premiums and imputing a VAT credit to indemnifications. Instead of taxing insurance, African countries, following EU ... More


The Good, the Bad,…: The Role of Risk Classification

Michael R. Powers

in Acts of God and Man: Ruminations on Risk and Insurance

Published in print:
2014
Published Online:
November 2015
ISBN:
9780231153676
eISBN:
9780231527057
Item type:
chapter
Publisher:
Columbia University Press
DOI:
10.7312/columbia/9780231153676.003.0009
Subject:
Economics and Finance, Development, Growth, and Environmental

Rate (or price) regulation is used extensively by many nations of the world and often relied on for market stability by developing countries. In the United States, the purpose of rate regulation is ... More


A Market Analysis of Property Insurance against Hurricane Risk

Howard C. Kunreuther and Erwann O. Michel-Kerjan

in At War with the Weather: Managing Large-Scale Risks in a New Era of Catastrophes

Published in print:
2009
Published Online:
August 2013
ISBN:
9780262012829
eISBN:
9780262255431
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262012829.003.0003
Subject:
Political Science, Political Economy

This chapter offers a market analysis of property insurance against hurricane risk, focusing on four states: Texas, Florida, New York, and South Carolina. It examines the structure, conduct, and ... More


Private Insurers’ Decision Making for Supplying Coverage

Howard C. Kunreuther and Erwann O. Michel-Kerjan

in At War with the Weather: Managing Large-Scale Risks in a New Era of Catastrophes

Published in print:
2009
Published Online:
August 2013
ISBN:
9780262012829
eISBN:
9780262255431
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262012829.003.0006
Subject:
Political Science, Political Economy

This chapter considers how insurers and reinsurers decide whether to cover a risk and what premiums to charge. The recent catastrophes have forced insurers and reinsurers to reevaluate their ability ... More


Private Reinsurers’ Decision Making for Supplying Coverage

Howard C. Kunreuther and Erwann O. Michel-Kerjan

in At War with the Weather: Managing Large-Scale Risks in a New Era of Catastrophes

Published in print:
2009
Published Online:
August 2013
ISBN:
9780262012829
eISBN:
9780262255431
Item type:
chapter
Publisher:
The MIT Press
DOI:
10.7551/mitpress/9780262012829.003.0007
Subject:
Political Science, Political Economy

Reinsurers offer coverage against the catastrophic portion of a loss that insurance companies are not willing to shoulder financially. In exchange for indemnifying an insurer against a layer of the ... More


… And the Lawyerly: Liability and Government Compensation

Michael R. Powers

in Acts of God and Man: Ruminations on Risk and Insurance

Published in print:
2014
Published Online:
November 2015
ISBN:
9780231153676
eISBN:
9780231527057
Item type:
chapter
Publisher:
Columbia University Press
DOI:
10.7312/columbia/9780231153676.003.0010
Subject:
Economics and Finance, Development, Growth, and Environmental

Liability insurance premiums in the United States are extremely costly for many commercial policyholders, and at times, availability crises have arisen in lines such as pollution liability, general ... More


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