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• W1567492734 startingPage "35" @default.
• W1567492734 abstract "A bstract We test for the presence of asymmetric information in the home insurance market on a data set containing about half a million home insurance contracts, applying several different specifications of the conditional correlation test. Unlike earlier studies, we control for private information about risk aversion by having access to detailed administrative register information at the policyholder level. We find robust evidence of asymmetric information. Asymmetric information may stem from adverse selection or moral hazard. To disentangle moral hazard and adverse selection, we utilize an exogenous law reform that had an effect on the insurance price. Our test shows no indication of moral hazard." @default.
• W1567492734 created "2016-06-24" @default.
• W1567492734 creator A5081355027 @default.
• W1567492734 date "2015-05-19" @default.
• W1567492734 modified "2023-10-16" @default.
• W1567492734 title "A<scp>symmetric</scp>I<scp>nformation in the</scp>H<scp>ome</scp>I<scp>nsurance</scp>M<scp>arket</scp>" @default.
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• W1567492734 doi "https://doi.org/10.1111/jori.12084" @default.
• W1567492734 hasPublicationYear "2015" @default.
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