36 de bani pe zi pentru protecţia casei. De ce românii nu-şi fac asigurare împotriva dezastrelor

In Romania, despite being mandatory on paper, only a quarter of homes are insured against natural disasters. The cost of insurance is low, at 36 bani per day, yet compliance remains low. Authorities are required to inform citizens about this obligation, but enforcement is lacking. A notable exception is Corbeanca, where fines have increased insurance uptake. Many homeowners only seek insurance after experiencing disasters, such as floods or earthquakes. While mandatory insurance covers up to 100,000 lei in damages, optional policies provide broader coverage for various risks. Fear of disasters and financial constraints contribute to the low insurance rates, with only homes classified as seismic grade 1 being uninsurable.