
Howard C. KunreutherHospital of the University of Pennsylvania | HUP · Wharton School
Howard C. Kunreuther
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11
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Publications (11)
This article describes the design and analysis of web‐based choice experiments that examine how the demand for earthquake protection in Quebec and British Columbia (BC), Canada, is influenced by the default option and the structure of the insurance plan. Homeowners in both provinces were given the opportunity to purchase protection against earthqua...
Households' insurance coverage against severe losses is central to their financial resilience. Features of the US National Flood Insurance Program offer insights into consumers' coverage over large stakes that are not typically possible in other markets. We examine the coverage limits (the amount of a home's value that is insured) of over 100,000 h...
This paper describes the design and analysis of a web-based choice experiment that examines how the demand for earthquake protection in Quebec and British Columbia is influenced by the default option and the structure of the insurance plan. Homeowners in both provinces were given the opportunity to purchase protection against earthquake losses when...
Social norms are rules of behavior that are commonly approved by society and personal norms represent what people believe to be appropriate behavior for themselves. Nudges based on social norms (norm-nudges) can be compelling interventions compared to traditional interventions such as taxes and regulations, but they do not work in all circumstances...
We examine businesses’ financial management of a rare, severe event using detailed firm‐level data collected following Hurricane Sandy in the New York area. Credit played a prominent role in financing recovery; more negatively affected firms took on debt because of Sandy (39%) than received insurance payments (15%) in our data. Negatively affected...
This paper presents a set of laboratory experiments wherein participants are exposed to simulated terrorist attacks that allow us to examine the effect of emotions on decision making. The first objective is to attempt to understand how individuals in this environment allocate resources between private insurance and public good expenditures aimed at...