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Mandatory Home Owners Insurance


  • Marius Dan Gavriletea

    (“Babeş-Bolyai” University, Cluj-Napoca)

  • Aura Carmen Moga

    (“Babeş-Bolyai” University, Cluj-Napoca)


Floods in recent years, earthquakes, aging housing stock and the level of housing optional insurance coverage are factors that have led the authorities to initiate mandatory housing insurance system, out of fear of more devastating natural events. The study examines the current state of the system of mandatory home insurance in Romania, operating principles, sustainability, evolution compared with other European Union states, the insurer’s perspective and influences involved in the system.

Suggested Citation

  • Marius Dan Gavriletea & Aura Carmen Moga, 2011. "Mandatory Home Owners Insurance," Theoretical and Applied Economics, Asociatia Generala a Economistilor din Romania - AGER, vol. 5(5(558)(su), pages 160-165, July.
  • Handle: RePEc:agr:journl:v:5(558)(supplement):y:2011:i:5(558)(supplement):p:160-165

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    References listed on IDEAS

    1. Maurice Obstfeld & Kenneth Rogoff, 2001. "The Six Major Puzzles in International Macroeconomics: Is There a Common Cause?," NBER Chapters,in: NBER Macroeconomics Annual 2000, Volume 15, pages 339-412 National Bureau of Economic Research, Inc.
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    4. Isard,Peter, 1995. "Exchange Rate Economics," Cambridge Books, Cambridge University Press, number 9780521460477, March.
    5. Carmen M. Reinhart & Vincent Raymond Reinhart, 2002. "What Hurts Emerging Markets Most? G3 Exchange Rate or Interest Rate Volatility?," NBER Chapters,in: Preventing Currency Crises in Emerging Markets, pages 133-170 National Bureau of Economic Research, Inc.
    6. Ronald MacDonald, 1997. "What Determines Real Exchange Rates? The Long and Short of it," IMF Working Papers 97/21, International Monetary Fund.
    7. Edison, Hali J. & Pauls, B. Dianne, 1993. "A re-assessment of the relationship between real exchange rates and real interest rates: 1974-1990," Journal of Monetary Economics, Elsevier, vol. 31(2), pages 165-187, April.
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    mandatory insurance; PAID; covered risks.;


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