التأمين ضد التأمين

نيو هافين ـ أن أغلب من يدخرون ويستثمرون يفعلون ذلك طيلة حياتهم. بيد أن أغلب المؤسسات التي يعتمدون عليها في استثماراتهم ومدخراتهم مجهزة للعمل في الأمد القريب. وهذا النوع من التفاوت يتسبب في إحداث مشاكل جوهرية.

من بين الأمثلة الممتازة على هذا مسألة التأمين على المساكن. ففي أغلب بلدان العالم اليوم سنجد أن التأمين على المساكن قصير الأمد، ويتم تجديد وثائق التأمين سنوياً، الأمر الذي يعني أنها لا تغطي المجازفة المتمثلة في احتمالات رفع شركات التأمين للأسعار في أي موعد مقبل لتجديد وثيقة التأمين.

ورغم ذلك فقد شهدنا مؤخراً تغييرات كبرى في أسعار التأمين على المساكن. على سبيل المثال، ارتفع متوسط قسط التأمين على أصحاب المساكن في فلوريدا من 723 دولار في العام 2002 إلى 1465 دولار أثناء الربع الأول من العام 2007. وهذه الزيادة السريعة تشكل مجازفة لا تقل حجماً عن العديد من المخاطر التي يفترض في وثيقة التأمين أن تغطيها.

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