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The impact of home insurance for the portfolio of insurance companies

Author

Listed:
  • Adriana Elena Simion
  • Adrian Victor Badescu

    (Academy of Economic Studies of Bucharest)

Abstract

The insurance domain has a very important status in the globalization context and social trans-formation. Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of potential financial loss. Every year the cost of damages caused by floods and earth flow reminds authorities about a con-troversial motion: mandatory home insurance In this paper I will present the mandatory condition of home insurance, work home, protocol home and holiday home of people and firms, also the relation between insurant and insurance com-pany, the rights and obligations of each part involved, licensing of insurance company witch interact and the establishment of the Reinsurance against Disaster Company. To determine the importance of this insurance, a risk analysis fundamentals and a risk financing decisions is needed. For this analyze we must taking in consideration the houses and the possibilities of insurance companies factors.

Suggested Citation

  • Adriana Elena Simion & Adrian Victor Badescu, 2008. "The impact of home insurance for the portfolio of insurance companies," Analele Stiintifice ale Universitatii "Alexandru Ioan Cuza" din Iasi - Stiinte Economice (1954-2015), Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 55, pages 131-136, November.
    • Handle: RePEc:aic:journl:y:2008:v:55:p:131-136
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    Keywords

    decision; model; insurance;
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