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Rural Households’ Livelihood Capital, Risk Perception, and Willingness to Purchase Earthquake Disaster Insurance: Evidence from Southwestern China

1,*,†, 2, 3, 1,† and 4,*
1
Sichuan Center for Rural Development Research, College of Management of Sichuan Agricultural University, Chengdu 611130, China
2
Geographic National Condition Monitoring Engineering Research Center of Sichuan Province, #2, Xinjun Street, Chengdu 610599, China
3
College of Land and Resources, China West Normal University, Nanchong 637000, China
4
Institute of Mountain Hazards and Environment, Chinese Academy of Sciences, Chengdu 610041, China
*
Authors to whom correspondence should be addressed.
These authors contributed equally to this work and should be considered co-first authors.
Int. J. Environ. Res. Public Health 2018, 15(7), 1319; https://doi.org/10.3390/ijerph15071319
Received: 26 April 2018 / Revised: 20 June 2018 / Accepted: 21 June 2018 / Published: 23 June 2018
(This article belongs to the Special Issue Changing Societies under Extreme Environments in Asia)
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Abstract

Earthquake disaster insurance can effectively reduce the impact of earthquake disasters on rural households. Exploring rural households’ willingness to purchase earthquake disaster insurance in earthquake disaster areas provides an understanding of the motivations underlying the implementation of an insurance policy. However, few studies have examined the perspectives of rural households, in order to explore the correlations between the rural households’ livelihood capital, their disaster risk perception, and their willingness to purchase earthquake disaster insurance. A cross-sectional survey data including 241 rural households from the most severe disaster counties (cities) during the 5 • 12 Wenchuan earthquake was examined with regard to rural households’ livelihood and disaster risk perception, and ordinal logistic regression models were constructed to explore rural households’ willingness to purchase earthquake disaster insurance, as well as the driving mechanism behind this willingness. The results showed that 34.44% of rural households were very willing to purchase earthquake disaster insurance, and 7.05% of rural households were very reluctant to purchase earthquake insurance. Rural households’ livelihood capital and risk perceptions were the most important factors affecting their willingness to purchase earthquake disaster insurance. Rural households with higher scores on natural capital, physical capital, possibility, and worry were more likely to purchase earthquake disaster insurance. Specifically, keeping all other variables constant, every one unit increase in nature capital and physical capital corresponded to an increase in the odds of willingness to purchase earthquake disaster insurance by a factor of 0.14 and 0.06, respectively; every one unit increase in possibility and worry corresponded to an increase in the odds of willingness to purchase earthquake disaster insurance by a factor of 0.03 and 0.04, respectively. This study contributes to the current literature by increasing the understanding of the relationships between Chinese rural households’ livelihood capital and risk perceptions, and their willingness to purchase earthquake disaster insurance. View Full-Text
Keywords: livelihood capital; risk perception; disaster insurance; willingness; Wenchuan earthquake; China livelihood capital; risk perception; disaster insurance; willingness; Wenchuan earthquake; China
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Xu, D.; Liu, E.; Wang, X.; Tang, H.; Liu, S. Rural Households’ Livelihood Capital, Risk Perception, and Willingness to Purchase Earthquake Disaster Insurance: Evidence from Southwestern China. Int. J. Environ. Res. Public Health 2018, 15, 1319.

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