Страхование от страхования

НЬЮ-ХЕЙВЕН – Большинство людей, которые экономят и вкладывают капитал, делают это на протяжении всей своей жизни. Но большинство учреждений, которым они доверяют свои инвестиции и сбережения, ориентируются на короткий срок. Это несоответствие приводит к фундаментальным проблемам.

Прекрасным примером является страхование домовладельцев. В настоящее время почти повсеместно в мире страхование домовладельцев производится на короткий срок. Как правило, его продлевают ежегодно, что означает, что оно не покрывает риск повышения тарифов страховыми компаниями в любой момент продления страховки в будущем.

И все же недавно мы наблюдали большие изменения в страховых тарифах домовладельцев. Например, средний страховой взнос домовладельцев во Флориде резко возрос от $723 в начале 2002 года до $1465 в первой четверти 2007 года. Такой резкий рост является риском, который равнозначен многим рискам, связанным с причинением вреда, от которого должны защищать такие страховые полисы.

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