加州候任保险专员Jane Kim提出公营野火保险构想：房屋保费自2020年涨84%、公共基金估需约250亿美元启动资金
加利福尼亚州消息，在加州保险专员选举中获胜的候任保险专员 Jane Kim 提出设立州营、单一支付方野火保险计划的构想；她将主管监管全州4520亿美元保险市场的加州保险厅。
据报道，Jane Kim 于11月6日宣布战胜州参议员 Ben Allen，领先幅度接近6个百分点。她的构想是让房主自动获得野火损失的公共保障，赔付上限约相当于重建一栋典型加州住宅的成本，房主保留普通私人保险承保盗窃、爆管或普通厨房火灾等其他风险。该计划最终须经加州议会与候任州长 Xavier Becerra 批准。
背景数据显示，据斯坦福研究人员统计，加州房屋保险保费在2020年12月至今年3月间上涨84%；州作为最后承保渠道的 FAIR 计划承保的单户住宅占比同期由不足2%升至约5%。
加州地震局今年春季曾评估此类计划的潜在成本，估算其需要约250亿美元前期资金，才有75%的机会在20年内保持偿付能力。Jane Kim 表示，这一构想仍有许多不确定之处，成形过程可能令最终方案与现构想大不相同。
（来源：Heatmap）
California Insurance Commissioner-Elect Jane Kim Proposes a Public Wildfire Insurance Program: Homeowner Premiums Up 84 Percent Since 2020, Earthquake Authority Estimated a Public Fund Would Need About $25 Billion Up Front
California - Jane Kim, who won the race to lead the California Department of Insurance, which oversees the state's $452 billion insurance market, ran on a proposal for a state-run, single-payer insurance program that would cover homeowners against wildfire damage.
Kim declared victory on Friday, November 6, over State Senator Ben Allen after reaching a nearly six-point lead. Under her idea, homeowners would automatically receive public coverage for wildfire-related losses, with payouts capped at roughly what it costs to rebuild a typical California home, while policyholders would keep their regular private insurance for other risks such as theft, burst pipes or an ordinary kitchen fire. The plan would ultimately need approval from both the California legislature and Governor-elect Xavier Becerra.
California's homeowners insurance premiums climbed 84 percent between December 2020 and March of this year, according to Stanford researchers. The share of California single-family homes covered by the FAIR Plan, the insurer of last resort, has nearly tripled over the same period, from under 2 percent to about 5 percent.
The California Earthquake Authority examined the potential costs of such a program this spring, estimating it would require roughly $25 billion up front to have a 75 percent chance of staying solvent for 20 years. Kim acknowledged there is plenty of uncertainty surrounding the plan, saying it is a concept and a proposal and could look quite different by the time it works its way through the process.
(Source: Heatmap)
来源：Heatmap
发布：GSM·美国（发布链接）
图片来源：图：Jane Kim（资料图，2017年摄于旧金山）。照片：CC BY-SA 4.0，经 Wikimedia Commons。 / Photo: Jane Kim (file photo, San Francisco, 2017). Photo: CC BY-SA 4.0, via Wikimedia Commons.
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