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1. Full Text Selection in Insurance Markets: Theory and Empirics in Pictures
by Liran Einav and Amy Finkelstein
The Journal of Economic Perspectives, ISSN 0895-3309, 1/2011, Volume 25, Issue 1, pp. 115 - 138
Government intervention in insurance markets is ubiquitous and the theoretical basis for such intervention, based on classic work from the 1970s, has been the... 
Health insurance | Average cost | Adverse selection | Insurance coverage | Homeowners insurance | Insurance markets | Demand curves | Automobile insurance | Moral hazard | Cost efficiency | ECONOMICS | TERM-CARE INSURANCE | INDIVIDUAL ANNUITIES | INFORMATION | ADVANTAGEOUS SELECTION | ADVERSE SELECTION | Models, Econometric | Actuarial Analysis - methods | United States | Humans | Financing, Government - organization & administration | Public Sector - economics | Models, Statistical | Risk Adjustment - methods | Insurance, Health - statistics & numerical data | Health Services Needs and Demand | Deductibles and Coinsurance - economics | Private Sector - economics | Health Policy | Insurance, Health - economics | Insurance Selection Bias | Economic aspects | Adverse selection (Insurance) | Insurance industry | Analysis | Studies | Risk aversion | Health care policy | Equilibrium | Willingness to pay
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2. Full Text Selection on Moral Hazard in Health Insurance
by Liran Einav and Amy Finkelstein and Stephen P. Ryan and Paul Schrimpf and Mark R. Cullen
The American Economic Review, ISSN 0002-8282, 2/2013, Volume 103, Issue 1, pp. 178 - 219
We use employee-level panel data from a single firm to explore the possibility that individuals may select insurance coverage in part based on their... 
Risk aversion | Health insurance | Moral hazard models | Spending | Adverse selection | Consumer spending | Insurance coverage | Homeowners insurance | Moral hazard | Health care economics | WELFARE | CHOICE | DEMAND | COST | MARKET | MODELS | ASYMMETRIC INFORMATION | ECONOMICS | PLAN | CARE | Choice Behavior | Consumer Behavior | Health Expenditures - statistics & numerical data | Humans | Health Behavior | Insurance, Health - economics | Deductibles and Coinsurance | Financing, Personal | Insurance Selection Bias | Insurance, Health - statistics & numerical data | Evaluation | Insurance policies | Research | Studies | Economic models | Economic theory | Economic statistics
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3. Full Text Multiple Dimensions of Private Information: Evidence from the Long-Term Care Insurance Market
by Finkelstein, Amy and McGarry, Kathleen
The American Economic Review, ISSN 0002-8282, 09/2006, Volume 96, Issue 4, pp. 938 - 958
We demonstrate the existence of multiple dimensions of private information in the long-term care insurance market. Two types of people purchase insurance:... 
Health insurance | Nursing homes | Information asymmetry | Life insurance | Financial risk | Insurance deductibles | Insurance coverage | Insurance companies | Homeowners insurance | Insurance markets | SURVIVAL | ASYMMETRIC INFORMATION | SUBJECTIVE PROBABILITIES | ECONOMICS | HEALTH | EXPECTATIONS | ADVERSE SELECTION | Models, Theoretical | Nursing Homes | Consumer Behavior | Humans | Long-Term Care - utilization | Insurance, Long-Term Care - statistics & numerical data | Risk | Insurance Coverage - statistics & numerical data | Insurance Coverage - utilization | Insurance, Long-Term Care - utilization | Private Sector - statistics & numerical data | Forecasts and trends | Long-term care insurance | Customer relations | Insurance industry | Analysis
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4. Full Text Redesigning Flood Insurance
by Erwann Michel-Kerjan and Howard Kunreuther
Science, ISSN 0036-8075, 7/2011, Volume 333, Issue 6041, pp. 408 - 409
Insurance and government assistance play central roles in ensuring economic and social resilience in the aftermath of catastrophes in developed countries.... 
Insurance premiums | Maps | Disasters | Insurance industry | Disaster relief | Financial risk | Homeowners insurance | Insurance coverage | Floods | Flood insurance | POLICY FORUM | CLIMATE-CHANGE | MULTIDISCIPLINARY SCIENCES | PROGRAM | ENVIRONMENT | Weather | Disaster recovery | Meteorology
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5. Full Text The Interaction of Public and Private Insurance: Medicaid and the Long-Term Care Insurance Market
by Brown, Jeffrey R and Finkelstein, Amy
The American Economic Review, ISSN 0002-8282, 06/2008, Volume 98, Issue 3, pp. 1083 - 1102
We show that even incomplete public insurance can crowd out private insurance demand. We estimate that Medicaid could explain the lack of private long-term... 
Health insurance | Insurance policies | Insurance premiums | Employer provided health insurance | Insurance coverage | Homeowners insurance | Insurance benefits | Shorter Papers | Comprehensive health insurance | Medicaid | Home care services | WELFARE | ANNUITIES | ECONOMICS | INCENTIVES | Economic aspects | Health insurance industry | Consumption | Studies | Economic theory | Long term care insurance
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6. Full Text The homeowners' insurance crisis
: solutions for homeowners, communities, and taxpayers : field hearing before the Subcommittee on Oversight and Investigations of the Committee on Financial Services, U.S. House of Representatives, One Hundred Eleventh Congress, first session, July 2, 2009
United States. Congress.House.Committee on Financial Services.Subcommittee on Oversight and Investigations
2009, ISBN 9780160848117
States | Reinsurance | Rates | Finance | Emergency management | Homeowners insurance | Government policy
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7. Full Text Testing for Adverse Selection in Insurance Markets
by Alma Cohen and Peter Siegelman
The Journal of Risk and Insurance, ISSN 0022-4367, 3/2010, Volume 77, Issue 1, pp. 39 - 84
This article reviews and evaluates the empirical literature on adverse selection in insurance markets. We focus on empirical work that seeks to test the basic... 
Health insurance | Life insurance | Adverse selection | Crop insurance | Insurance coverage | Homeowners insurance | Automobile insurance | Insurance markets | Insurance providers | Policyholders | HEALTH-INSURANCE | WORKERS COMPENSATION | BUSINESS, FINANCE | TESTABLE IMPLICATIONS | MORAL HAZARD | ASYMMETRIC INFORMATION | PRIVATE INFORMATION | ECONOMICS | TERM-CARE INSURANCE | AUTOMOBILE INSURANCE | EMPIRICAL-EXAMINATION | ADVANTAGEOUS SELECTION | Political activity | Health insurance industry | Soybean industry | Subsidies | Marketing research | Political aspects | Traffic congestion | Diabetes therapy | Studies | Insurance policies | Insurance industry | Risk management
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8. Full Text PRIVATE INFORMATION AND INSURANCE REJECTIONS
by Nathaniel Hendren
Econometrica, ISSN 0012-9682, 9/2013, Volume 81, Issue 5, pp. 1713 - 1762
Across a wide set of nongroup insurance markets, applicants are rejected based on observable, often high-risk, characteristics. This paper argues that private... 
Health insurance | Insurance pools | Life insurance | Disabilities | Insurance companies | Homeowners insurance | Insurance markets | Insurance underwriting | Insurance providers | Disability insurance | insurance | adverse selection | Private information | Adverse selection | Insurance | MATHEMATICS, INTERDISCIPLINARY APPLICATIONS | ASYMMETRIC INFORMATION | EQUILIBRIUM | STATISTICS & PROBABILITY | SOCIAL SCIENCES, MATHEMATICAL METHODS | ECONOMICS | UK ANNUITY MARKET | Insurance industry | Analysis | Private Information | Adverse Selection
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9. Managing extreme climate change risks through insurance
by Botzen, W. J. Wouter and Books24x7, Inc
2013, ISBN 9781107033276, xx, 432
"In recent years, the damage caused by natural disasters has increased worldwide; this trend will only continue with the impact of climate change. Despite... 
Environmental aspects | Climatic changes | Risk management | Natural disasters | BUSINESS & ECONOMICS / Environmental Economics | Finance & Accounting
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10. Full Text Fraudulent Claims and Nitpicky Insurers
by Jean-Marc Bourgeon and Pierre Picard
The American Economic Review, ISSN 0002-8282, 9/2014, Volume 104, Issue 9, pp. 2900 - 2917
Insurers have the reputation of being bad payers who nitpick whenever an opportunity arises. However, this nitpicking activity has a positive impact on their... 
Indemnity insurance | Insurance policies | Insurance claims | Insurance coverage | Homeowners insurance | Shorter Papers | Insurance fraud | Automobile insurance | Insurance providers | Nitpicking | Policyholders | POLICY | ECONOMICS | COMMITMENT | INSURANCE FRAUD | CONTRACTS | Actuaries | Influence | Works | Laws, regulations and rules | Contracts | Auditing | Studies | Economic models | Morality | Economic theory | Insurance companies | Economics and Finance | Humanities and Social Sciences
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11. Insurance redlining
: disinvestment, reinvestment, and the evolving role of financial institutions
by Squires, Gregory D
1997, ISBN 0877666652, xiv, 259
Discrimination in insurance | Homeowners insurance
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12. At war with the weather
: managing large-scale risks in a new era of catastrophes
by Kunreuther, Howard and Michel-Kerjan, Erwann
2009, 1, MIT Press Books, ISBN 9780262012829, Volume 1, xxi, 416
The United States and other nations are facing large-scale risks at an accelerating rhythm. In 2005, three major hurricanes--Katrina, Rita, and Wilma--made... 
Emergency management | Risk management | Disaster insurance | Environment | Economics | United States | Business | natural disasters; hurricanes
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13. Full Text OUTSOURCING REGULATION: HOW INSURANCE REDUCES MORAL HAZARD
by Omri Ben-Shahar and Kyle D. Logue
Michigan Law Review, ISSN 0026-2234, 11/2012, Volume 111, Issue 2, pp. 197 - 248
This Article explores the potential value of insurance as a substitute for government regulation of safety. Successful regulation of behavior requires... 
Employee insurance | Insurance regulation | Insurance premiums | Insurance industry | Homeowners insurance | Insurance coverage | Liability insurance | Automobile insurance | Workers compensation insurance | Insurance providers | LIMITS | LAW | MARKETS | WORKERS-COMPENSATION | LIABILITY INSURANCE | INSURERS | ECONOMICS | FAULT | VICTIM | PRIVATE | Outsourcing | Laws, regulations and rules | Insurance | Risk (Insurance) | Financial statements | Consumer protection | Food safety
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14. Full Text Catastrophe Economics: The National Flood Insurance Program
by Erwann O. Michel-Kerjan
The Journal of Economic Perspectives, ISSN 0895-3309, 10/2010, Volume 24, Issue 4, pp. 165 - 186
This paper presents an overview of the 40 years of operation of the National Flood Insurance Program (NFIP), starting with how and why it was created and how... 
Insurance premiums | Disasters | Insurance claims | Disaster relief | Hurricanes | Homeowners insurance | Insurance coverage | Floods | Flood insurance | Property insurance | RISKS | CLIMATE-CHANGE | ECONOMICS | HURRICANE-KATRINA | Planning | Laws, regulations and rules | United States | Studies | Reimbursement
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15. Full Text Market Discipline in Property/Casualty Insurance: Evidence from Premium Growth Surrounding Changes in Financial Strength Ratings
by Karen Epermanis and Scott E. Harrington
Journal of Money, Credit and Banking, ISSN 0022-2879, 9/2006, Volume 38, Issue 6, pp. 1515 - 1544
Analysis of abnormal premium growth surrounding changes in financial strength ratings for a large panel of property/casualty insurers generally indicates... 
Insurance regulation | Reinsurance | Insurance premiums | Life insurance | Insurance coverage | Homeowners insurance | Credit insurance | Insurance providers | Deposit insurance | Business insurance | Mathematical models | Capital market | Risk management | United States | Property insurance | Financial strength ratings | Property/casualty insurance | Market discipline | financial strength ratings | RISK-TAKING | ANNOUNCEMENTS | INDUSTRY | INFORMATION | PROPERTY-LIABILITY INSURANCE | STOCK-PRICES | BUSINESS, FINANCE | BANKING | GUARANTY FUNDS | market discipline | DEPOSIT INSURANCE | JUNK-BONDS | ECONOMICS | property/casualty insurance | Property and casualty insurance | Reserves | Property and casualty insurance industry | Analysis | Insurance | Marketing
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16. Homeowners insurance
: multiple challenges make expanding private coverage difficult : report to congressional requesters
United States. Government Accountability Office, issuing body
2014
Economic aspects | Homeowners insurance | Government policy
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17. Full Text Behavioral motivations for self-insurance under different disaster risk insurance schemes
by Mol, Jantsje M and Botzen, W.J. Wouter and Blasch, Julia E
Journal of Economic Behavior and Organization, ISSN 0167-2681, 2018
This paper presents a lab-in-the-field experiment with 2111 Dutch homeowners in floodplain areas to examine the impacts of financial incentives and behavioral... 
Lab-in-the-field experiment | Flood preparedness | Behavioral insurance | Homeowners | Disaster damage reduction | Self-insurance
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18. Full Text The homeowners' insurance crisis
: solutions for homeowners, communities, and taxpayers : field hearing before the Subcommittee on Oversight and Investigations of the Committee on Financial Services, U.S. House of Representatives, One Hundred Eleventh Congress, first session, July 2, 2009
United States. Congress.House.Committee on Financial Services.Subcommittee on Oversight and Investigations
2009
States | Reinsurance | Rates | Finance | Emergency management | Homeowners insurance | Government policy
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19. Full Text The homeowners' insurance crisis and its impact on communities, homeowners, and the economy
: hearing before the Subcommittee on Oversight and Investigations of the Committee on Financial Services, U.S. House of Representatives, One Hundred Tenth Congress, second session, February 11, 2008
United States. Congress.House.Committee on Financial Services.Subcommittee on Oversight and Investigations
2008, ISBN 0160808634
States | Reinsurance | Rates | Finance | Emergency management | Economic aspects | Homeowners insurance | Natural disasters | Government policy
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20. Full Text Crop Insurance Reconsidered
by Joseph W. Glauber
American Journal of Agricultural Economics, ISSN 0002-9092, 12/2004, Volume 86, Issue 5, pp. 1179 - 1195
Waugh Lecture | Insurance premiums | Crops | Crop insurance | Subsidies | Homeowners insurance | Insurance coverage | Agricultural subsidies | Insurance underwriting | Crop economics | Agricultural economics | Government finance | Agriculture | Agricultural policy | Analysis
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