Insurance coverage for natural disasters remains low in many exposed areas. A limited supply of insurance is commonly … identified as a primary causal factor in this low insurance coverage. The French overseas departments provide a rare natural … experiment of a well-developed supply of natural disasters insurance in highly exposed regions. The French system of natural …

insured against natural disasters. In France, any housing insurance contract includes the coverage against natural disasters …. In 2006, only 52% of households in departments overseas have suscribed a housing insurance contract for their main home … low demand for insurance, but probably also from a limited supply by insurers. We show that income and being a landowner …

tradeoff between efficiency and fairness of the allocation, we give indications on the desirable structure of the insurance …

. To optimize the value of insurance, the insurer and the insured have to agree upon repair strategies (when to fix the …

on the insurance system that covers its inhabitants. As uniform insurance depends on all insureds’ risk, it enables a … partial integration of prevention externalities by jurisdictions. We determine under which condition uniform insurance Pareto … dominates actuarial insurance. …

In France comprehensive house insurance includes coverage against natural disasters. Whereas the French overseas … purchased house insurance for their main home in 2006, against more than 99% in continental France. We explain simultaneously … the probability of being insured and the insurance premium, and we model that the decision of purchasing insurance depends …

In this paper, we want to characterize the optimal health insurance contract with adverse selection and moral hazard … and Stiglitz 'model. In this case, we show that the optimal contract exhibits a deductible for the high health risk type …