Pricing Protection: Credit Scores, Disaster Risk, and Home Insurance Affordability
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下载链接：
https://www.nber.org/papers/w34848
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资源简介：
We use 70 million policies linked to mortgages and property-level disaster risk to show that credit scores impact homeowners insurance premiums as much as disaster risk. Homeowners with low credit pay 24% more for identical coverage than highcredit score homeowners. Leveraging a natural experiment
提供机构：
美国国家经济研究局
创建时间：
2026-03-01
