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Questions tagged [insurance]

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3 votes
1 answer
21 views

Why do states regulate home insurance rates?

With increasing damages and volatility, home insurance companies increasingly withdraw from entire states, including former low-risk states like Iowa. I was puzzled by this at first: The normal ...
Peter - Reinstate Monica's user avatar
0 votes
1 answer
31 views

Are all services provided by the financial sector of same utility in the end and reasonable priced?

I've just found a random single statement about the overall money going into financial services: With global GDP expected to reach $93 trillion in the same year, that would mean that financial ...
dronus's user avatar
  • 101
1 vote
2 answers
90 views

Is home insurance priced backwards?

I just saw a rate table for retail home insurance that appears to offer incentives opposite to what insurance should in theory. Am I missing something in the following analysis? For the same ...
feetwet's user avatar
  • 129
0 votes
0 answers
14 views

In bond markets, how does the number of banks in an underwriter syndicate grow as they share risk on larger deals?

If I look at a large collection of underwriter syndicates (underwriting green bond issuances), I can see there is, on the whole, a quadratic relationship between the value $v$ in USD that the ...
apg's user avatar
  • 123
0 votes
0 answers
16 views

Short-selling domestic currency to hedge against inflation

A person lives in a country with a high risk of inflation. She just started working, so she has little savings. Her goal is to ensure that her future income does not lose value because of inflation. ...
Arseniy Samsonov's user avatar
5 votes
4 answers
145 views

Why Don't We Insure Against Recessions

I'm not an economics student or anything like that, but I've had a question on my mind for a while now. Why don't insurance companies insure against recessions. Like if the economy were to downturn, ...
The Technomancer's user avatar
2 votes
1 answer
94 views

Who insures the FDIC in case it fails?

I understand that the Federal Deposit Insurance Corporation (FDIC) failing is unlikely, but the probability of such a failure is still positive. In case the FDIC fails, who covers the customers' ...
dodo's user avatar
  • 293
2 votes
0 answers
26 views

Who insures reinsurers? Is there an "insurer of last resort"?

Assume a massive natural disaster occurred, at a scale such that "front-line" insurance companies (e.g. State Farm) had to turn to their re-insurers (e.g. Swiss Re). What if the re-insurers ...
Deane's user avatar
  • 447