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An Analysis of the demand for earthquake insurance

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<title>Analysis of the demand for earthquake insurance</title>
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<namePart>Avila, Stephen M.</namePart>
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<abstract displayLabel="Summary">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. </abstract>
<note type="statement of responsibility">Manoj Athavale, Stephen M. Avila</note>
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<topic>Seguro de riesgos extraordinarios</topic>
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<topic>Seguro de terremoto</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080584580">
<topic>Demanda de seguros</topic>
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<topic>Catástrofes naturales</topic>
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<title>Risk management & insurance review</title>
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<publisher>Malden, MA : The American Risk and Insurance Association by Blackwell Publishing, 1999-</publisher>
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<identifier type="issn">1098-1616</identifier>
<identifier type="local">MAP20077001748</identifier>
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<text>03/10/2011 Tomo 14 Número 2  - 2011 , p. 233-246</text>
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