Abstract:

This paper presents the main particularities of the home insurance market in Romania related to the protection against natural risks. Using direct research the situation of the mandatory home insurance as a tool in the protection against natural catastrophes is analyzed.  The opinions of respondents from insurance companies and brokers regarding the mandatory home insurance are studied.The research showed that mandatory home insurance is perceived as being opportune by insurers. The survey results indicate that there is a need for facultative home insurance as well.