Insurance is increasingly identified as the disaster management technique of choice; a benign tool that can be utilised to reduce the impacts of disaster and aid recovery. For householders in disaster-prone places, individual rational agency is assumed to inform decision-making surrounding house and contents insurance purchase. In this paper, we present findings from interviews with householders in places with high bushfire risk that significantly unsettle such accounts. Drawing upon four identified themes – trade-offs, networks, virtue and promise – we observe that for these householders, the uncertainty and anxiety created through a lack of transparency on behalf of insurers, the construction of insurance as an individual endeavour, and the rendering of household materiality as object, renders insurance catastrophic. Attempts at calculation for insurance coverage are momentary rather than monetary; as constituting an entanglement of insurantial moments constructed within conflicting emotions, morality and the familial, rather than fiscal accountancy. For our participants this provides a stronger logic for choosing not to have insurance than for having insurance. We conclude with signposts for further research, including advancing the theorisation of insurance in the context of the everyday.

Item Type:	Refereed Article
Keywords:	Amenity migrants; Fire; Disaster;Housing; Insurance; Place
Research Division:	Studies in Human Society
Research Group:	Human Geography
Research Field:	Social and Cultural Geography
Objective Division:	Expanding Knowledge
Objective Group:	Expanding Knowledge
Objective Field:	Expanding Knowledge in Psychology and Cognitive Sciences
UTAS Author:	Booth, K (Dr Kate Booth)
UTAS Author:	Harwood, A (Dr Andrew Harwood)
ID Code:	105303
Year Published:	2016 (online first 2015)
Web of Science® Times Cited:	9
Deposited By:	Social Sciences
Deposited On:	2015-12-18
Last Modified:	2017-11-07
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