Wie man sich gegen Versicherungen absichert

NEW HAVEN: Die meisten Menschen, die sparen und investieren, tun dies ihr ganzes Leben lang. Die meisten Unternehmen jedoch, auf die sie sich in Bezug auf ihre Kapitalanlagen und Ersparnisse verlassen, sind kurzfristig aufgestellt. Diese Inkongruenz verursacht grundlegende Probleme.

Ein hervorragendes Beispiel dafür sind Hauseigentümerversicherungen. Diese sind heute fast überall auf der Welt kurzfristig ausgelegt. Sie werden normalerweise jährlich verlängert, was bedeutet, dass sie das Risiko, dass die Versicherung zu einem zukünftigen Erneuerungsdatum die Beiträge erhöht, nicht abdecken.

In letzter Zeit freilich gab es bedeutende Veränderungen bei den Hauseigentümerversicherungen. So stieg in Florida die durchschnittliche Prämie von 723 Dollar Anfang 2002 steil auf 1.465 Dollar im ersten Quartal 2007. Derart rasante Prämienerhöhungen sind ein Risiko derselben Größenordnung wie viele der Schadensrisiken, die diese Versicherungen abdecken sollen.

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