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When disaster strikes: under-insurance in Australian households

Citation

Booth, K and Tranter, B, When disaster strikes: under-insurance in Australian households, Urban Studies pp. 1-37. ISSN 0042-0980 (2017) [Refereed Article]

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Copyright Statement

Copyright Urban Studies Journal Limited 2017

DOI: doi:10.1177/0042098017736257

Abstract

In undertaking what we believe is the first national-scale study of its kind, we provide methodologically transparent, statistically robust insights into associations and potential unfolding effects of house and contents under-insurance. We identify new dimensions in the complex relationship between householders and insurance, including the salience of interpersonal and likely institutional trust. Under-insurance is (re)produced along socio-economic and geographical lines, with those of lower socio-economic status or living in cities more likely to be under-insured. Should a disaster strike, such communities are likely to suffer further disadvantage, especially if governments continue to shift the responsibility for risk onto households. Our findings support the observation that insurance can contribute to increasing socio-economic urban polarisation in light of natural disasters. We conclude by considering how under-insurance may contribute to growing urban social stratification, as well as how it may produce situated ethical and political responses that exceed neoliberal aspirations.

Item Details

Item Type:Refereed Article
Keywords:climate change, disaster, exclusion, housing, insurance, neoliberalism
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 through Studies of Human Society
UTAS Author:Booth, K (Dr Kate Booth)
UTAS Author:Tranter, B (Professor Bruce Tranter)
ID Code:121216
Year Published:2017
Funding Support:Australian Research Council (DP170100096)
Web of Science® Times Cited:5
Deposited By:Geography and Spatial Science
Deposited On:2017-09-18
Last Modified:2018-05-22
Downloads:36 View Download Statistics

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