Earthquake Insurance in California: The Impacts of a Mandated Offer of Insurance on Residential Earthquake Insurance Purchase

这是一项研究的位置和人口特征， 购买了加州地震保险的家庭。 的 有和没有地震保险的家庭样本的位置 北方和加州南部的地质条件将与 特征（如靠近圣安德烈亚斯断层）， 确定逆向选择的存在。 本部分研究 将利用一个主要的地理信息系统来绘制位置 5000个或更多的家庭，并将其与地质特征进行比较， 以及人口普查区信息。 研究的第二部分将 对有保险和无保险的家庭进行抽样调查， 为了确定经济和人口特征， 区分这两个群体。 研究的两个部分 将提供重要的基线数据， 最近家庭决策的变化， 购买地震保险，并将提供 更开明的政策所依据的信息。

This is a study of the location and demographic characteristics of households that have purchased earthquake insurance in California. The location of a sample of households with and without earthquake insurance for both northern and southern California will be compared with geologic characteristics (such as proximity to the San Andreas fault) to determine the existence of adverse selection. This portion of the study will utilize a major geographic information system to plot the location of 5000 or more households and compare them to geologic characteristics as well as census tract information. The second part of the study will involve a sample survey of households with and without insurance in order to ascertain the economic and demographic characteristics that differentiate these two populations. The two portions of the research will provide important baseline data upon which a better understanding of recent shifts in household-level decision-making with respect to earthquake insurance purchase will be obtained and will also provide information on which more enlightened policy can be based.