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Rural Households' Livelihood Capital, Risk Perception, and Willingness to Purchase Earthquake Disaster Insurance:
Summary
Rural households
Area of Science:
- Disaster Risk Management
- Agricultural Economics
- Insurance Studies
Background:
- Earthquake disaster insurance is crucial for mitigating financial impacts on rural households.
- Understanding rural households' willingness to purchase insurance is key for policy implementation.
- Limited research exists on rural perspectives linking livelihood capital and risk perception to insurance uptake.
Purpose of the Study:
- To explore the correlation between rural households' livelihood capital, disaster risk perception, and willingness to purchase earthquake disaster insurance.
- To identify the driving mechanisms behind rural households' willingness to buy earthquake insurance.
Main Methods:
- Cross-sectional survey data from 241 rural households in Wenchuan earthquake-affected areas.
- Ordinal logistic regression models were used to analyze the data.
Main Results:
- 34.44% of households were very willing to purchase earthquake insurance; 7.05% were very reluctant.
- Livelihood capital (natural, physical) and risk perception (possibility, worry) significantly influenced willingness.
- Increased natural and physical capital raised odds of willingness by 0.14 and 0.06 respectively.
- Increased possibility and worry raised odds of willingness by 0.03 and 0.04 respectively.
Conclusions:
- Livelihood capital and risk perception are critical factors in rural households' willingness to purchase earthquake disaster insurance.
- Findings enhance understanding of the interplay between socio-economic factors, risk perception, and insurance adoption in vulnerable populations.
- Policy interventions should consider enhancing livelihood capital and risk awareness to promote insurance uptake.
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