Freiwillig oder Pflicht? Kosten als Grundlage für Entscheidung zu Elementarschadenversicherung

Abstract This article examines the current market prices of extended natural hazard insurance against the backdrop of increasing climate risks and political plans to expand insurance coverage. Based on detailed premium queries for all 36 risk zones, the isolated additional costs of natural hazard coverage are determined for the first time. The results show a considerable spread in premiums and sharply rising premiums in high-risk zones, which is the reason for the low voluntary demand precisely where it is most needed. This gives rise to economic policy options such as targeted premium relief, risk-adequate subsidies or compulsory insurance with accompanying measures to ensure affordability.