Grace, Martin F.; Klein, Robert W.; Kleindorfer, Paul R. - 2001
In this paper, we estimate the demand for homeowner insurance in Florida. Since we are interested in a number of … mark-up. Second, we estimate the demand for homeowners insurance using two-stage least squares regression. We employ ISO …'s indicated loss costs as our proxy for real insurance services demanded. We assume that the demand for coverage is essentially a …