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An Analysis of the demand for earthquake insurance
Recurso electrónico / electronic resource
MAP20110064143
Athavale, Manoj ‌
An Analysis of the demand for earthquake insurance / Manoj Athavale, Stephen M. Avila
Sumario: This research examines the decision to purchase earthquake insurance by analyzing data on earthquake insurance price and penetration in the New Madrid fault zone inMissouri. Earthquake risk is of concern to consumers, the insurance industry, industry regulators, and government agencies because of the potentially catastrophic nature of losses resulting from a major earthquake. Despite the significance of the earthquake peril, the recent literature does not contain estimates of the price and income elasticity of the demand for earthquake insurance. Our analysis indicates that homeowners acquire earthquake insurance because of risk considerations, at higher levels of risk the demand for earthquake insurance is higher, and the price of earthquake coverage does not provide incremental information in explaining the demand for earthquake coverage.
En: Risk management & insurance review. - Malden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999- = ISSN 1098-1616. - 03/10/2011 Tomo 14 Número 2 - 2011 , p. 233-246
1. Seguro de riesgos extraordinarios ‌. 2. Seguro de terremoto ‌. 3. Demanda de seguros ‌. 4. Catástrofes naturales ‌. I. Avila, Stephen M. ‌.