Explore the differences between moral and morale hazards, and their impact on insurance behavior and policy design.

Whether termed “climate change” or “extreme weather,” an increasingly unstable environment is damaging homes and other property at an accelerating pace faster than observed in decades. The magnitude ...

Anyone who is — or is looking to be — a homeowner in California knows that insurance in our state is “a situation.” Nestled between restrictive state regulations, rising building costs, and natural ...