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Public-private risk pools and opt-out enrollment significantly boost earthquake insurance uptake in British Columbia (BC) and Quebec. These strategies enhance demand for essential disaster protection.

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Area of Science:

  • Environmental Science
  • Economics
  • Public Policy

Background:

  • Earthquake risk poses a significant threat to homeowners in Quebec and British Columbia (BC).
  • Current earthquake insurance uptake is suboptimal, necessitating innovative policy solutions.
  • Understanding consumer behavior is crucial for designing effective insurance programs.

Purpose of the Study:

  • To analyze the impact of default options and insurance plan structures on earthquake protection demand.
  • To compare the effectiveness of private insurance, public-private risk pools, and opt-in/opt-out enrollment strategies.
  • To inform policy decisions regarding earthquake insurance in Canada.

Main Methods:

  • Web-based choice experiments were conducted with homeowners in Quebec and BC.
  • Participants were presented with different insurance plan structures (private vs. public-private risk pools) and enrollment designs (opt-in vs. opt-out).
  • Statistical analysis, including odds ratios, was used to determine the influence of these factors on purchase likelihood.

Main Results:

  • Public-private risk pools significantly increased the likelihood of purchasing earthquake insurance (odds ratio ≥ 2.7) in both BC and Quebec compared to private plans.
  • Opt-out enrollment substantially boosted earthquake protection take-up compared to opt-in enrollment.
  • The findings highlight the powerful influence of framing and default options on consumer decisions.

Conclusions:

  • Shifting to public-private risk pools and implementing opt-out enrollment are effective strategies to increase earthquake insurance coverage.
  • Policy interventions can significantly enhance household preparedness for seismic events.
  • These findings have direct implications for disaster risk management and insurance policy in Canada.