A new ETF allows individuals to earn income by insuring against natural disasters through investing in catastrophe bonds. We break down the historical returns, risk, fees, and structure of this intriguing investment opportunity. Topics covered include: What types of natural disasters are increasing How insurance companies use reinsurance and cat bonds to protect against extreme losses Why home insurance premium increases should be lower in 2026 How cat bonds are structured … [Read more...]
508: Who Should Bear the Cost? Socialized vs. Market-Based Risk Management
Natural disasters are becoming more severe and costly—who should bear the financial burden? We explore the tension between socialized risk and market-based insurance. Topics covered include: The surprisingly large percentage of natural disaster losses that are uninsured Why natural disaster severity is increasing A deep dive into the complexity of the home insurance market, including state-run home insurance plans How California has tried to update its home insurance … [Read more...]
481: How to Navigate the Crippling Home Insurance Crisis
Why are homeowners seeing home insurance premiums increases of up to 70%, as David has? What can you do if your insurer drops you, you get a huge premium increase, or you can no longer afford coverage? Topics covered include: What are the primary drivers of home insurance price increases Why these increases don't show up in the U.S. consumer price index How the reinsurance market works and why reinsurers are passing on 50% premium increases to property and casualty … [Read more...]
444: Natural Disasters: Are They Truly Increasing?
From raging wildfires to devastating floods, how are these natural events reshaping our financial landscape? What if anything, should we be doing with our investments as a result? Topics covered include: The devastating Maui wildfire: What are the factors that led to one of the deadliest wildfires in US history. Global wildfire trends: Are they really increasing? The data might surprise you. The role of insurance companies: Learn how the giants of the reinsurance world, like … [Read more...]
