| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w29144 |
| 来源ID | Working Paper 29144 |
| The Impact of a Government Risk Pool and an Opt-Out Framing on Demand for Earthquake Protection | |
| Howard Kunreuther; Lynn Conell-Price; Paul Kovacs; Katsuichiro Goda | |
| 发表日期 | 2021-08-16 |
| 出版年 | 2021 |
| 语种 | 英语 |
| 摘要 | This paper describes the design and analysis of a web-based choice experiment that examines how the demand for earthquake protection in Quebec and British Columbia is influenced by the default option and the structure of the insurance plan. Homeowners in both provinces were given the opportunity to purchase protection against earthquake losses when presented with one of the following options: the current private insurance plan, a high deductible private insurance plan, and a proposed public-private risk pool. The default frame was changed so the homeowner could either opt-in by purchasing this coverage or opt-out of being given this protection and receiving a premium discount. Assigning participants to a public-private risk pool rather than the current private insurance plan increases the likelihood of purchasing earthquake protection by 151%. The opt-out frame leads to a likelihood greater than 1.6 of purchasing coverage relative to the opt-in frame when given the same plan structure. The policy implications of this finding are discussed. |
| 主题 | Microeconomics ; Economics of Information ; Financial Economics ; Financial Institutions ; Public Economics ; Public Goods |
| URL | https://www.nber.org/papers/w29144 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/586818 |
| 推荐引用方式 GB/T 7714 | Howard Kunreuther,Lynn Conell-Price,Paul Kovacs,et al. The Impact of a Government Risk Pool and an Opt-Out Framing on Demand for Earthquake Protection. 2021. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w29144.pdf（833KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
除非特别说明，本系统中所有内容都受版权保护，并保留所有权利。
