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Eathquake Insurance Product – Is It Need Or Necessity? ( Case Study Durrës Albanian )
(Bayburt University, 2019) Neza, Violetta; Kılıçaslan, İsmail
Earthquake insurance is a challenge we are often facing with nowadays. This insurance can reduce the impact of this devastating natural phenomenon. Do we all need earthquake insurance? To answer this question we need to explore the willingness and ability of Albanian families to perceive the benefits this type of insurance provides to the population. No one can give a more accurate answer than we do. Many of us, especially people living in areas that do not have much tectonic cracking in their home country, choose not to receive this coverage. In the case of this natural occurrence that we often tend to call natural disasters, we must be prepared for the worst. In fact, the earthquake is a natural phenomenon. We know that risk is not simply eliminated, we try to minimize it through forms of insurance. Are we able to cover the cost of rebuilding the house in the event of an earthquake and even more to replace the household equipment? Do we know the benefits of earthquake insurance? What is the value we have to pay for this type ofe insurance? Are Albanian families able to pay for it ? This paper answers all these questions by analyzing questionnaires designed for this problem and distributed to the residents in one of the most seismic areas of Albania, Durrësarea.