{"product_id":"insuring-the-future-reimagining-home-insurance-in-aotearoa","title":"Insuring the Future: Reimagining Home Insurance in Aotearoa","description":"As the effects of climate change intensify across Aotearoa New Zealand, securing home insurance is no longer a sure thing. Nor is it always affordable.\nIn this clear-eyed work, public policy expert Jonathan Boston tackles one of the defining policy challenges of climate change: how can residential property insurance remain accessible and affordable as climate-intensified risks escalate? Given New Zealand's distinctive natural hazards profile and numerous at-risk communities, small policy changes won't be enough. Sustainable insurance affordability will require a paradigm shift in risk governance, adaptation planning, and property insurance arrangements. We need fair, collective risk-sharing, vigorous risk avoidance, and serious public investment in risk reduction, including planned relocation where long-term protection is neither cost-effective nor feasible.\nNavigating the stark realities of climate-intensified risks and implementing effective reforms will be challenging. There are powerful political incentives for procrastination and buck-passing. But delay will be costly; poor policy choices likewise. To enable progress, evidence-informed public debate about the policy options is vital. Insuring the Future seeks to encourage that debate and proposes a practical, integrated set of reforms.","brand":"Unity Books","offers":[{"title":"Insuring the Future: Reimagining Home Insurance in Aotearoa","offer_id":46004424442053,"sku":null,"price":35.0,"currency_code":"NZD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0625\/6679\/3413\/files\/978-1-77692-330-4.jpg?v=1774581002","url":"https:\/\/unitybooks.myshopify.com\/products\/insuring-the-future-reimagining-home-insurance-in-aotearoa","provider":"Unity Books","version":"1.0","type":"link"}