Pojistit se proti pojištění

NEW HAVEN – Většina lidí, již spoří a investují, tak činí po celý život. Avšak většina institucí, na něž se svými investicemi a úsporami spoléhají, je zaměřena krátkodobě. Tento nesoulad způsobuje podstatné problémy.

Vynikajícím příkladem je pojištění vlastního bydlení. Téměř všude na světě je dnes pojištění domů krátkodobé. Obvykle se každoročně obnovuje, což znamená, že nekryje riziko, že pojišťovny jednou k budoucímu výročnímu datu zvýší sazby.

Poslední dobou jsme ovšem svědky výrazných změn sazeb pojištění domů. Například průměrné pojistné domu na Floridě vystřelilo ze 723 dolarů na počátku roku 2002 na 1465 dolarů v prvním čtvrtletí roku 2007. Takto prudké nárůsty přestavují riziko stejné řádové hodnoty, jako jsou rizika škod, jež mají tyto pojistné smlouvy řešit.

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