{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Kyla's Newsletter: Audio Version","title":"Home Insurance is a Really Big Problem","html":"<iframe width=\"100%\" height=\"180\" frameborder=\"no\" scrolling=\"no\" seamless src=\"https://share.transistor.fm/e/511de33c\"></iframe>","width":"100%","height":180,"duration":996,"description":"We talk a lot about building more housing, but we do not talk enough about the risk of home insurance. \nWe have massively underpriced risk in many parts of the economy. This leads to things like financial nihilism and distrust, which is why we see a world divided - partially because the risk models are all wrong.\n00:00 Introduction to Kamala Harris's Economic Proposals\n00:09 Detailed Housing Policies\n01:14 Supply and Demand in Housing\n01:37 The Broader Impact of Housing Shortages\n02:29 The Complexity of Housing as an Asset\n03:18 Challenges in Home Building\n03:47 The Home Insurance Crisis\n08:53 Economic and Financial Implications\n09:44 Regulatory Issues and Underinsurance\n11:09 Reinsurance and Secondary Perils\n13:03 Future Paths and Solutions\n14:55 Updating Risk Models for the Future\n17:44 Conclusion and Final Thoughts","thumbnail_url":"https://img.transistorcdn.com/TJEmXAVcGzYv-Z7mCJFzQXR5_Hz4LzOXC_dsy52sUGE/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS85OTYw/ZTc0OWZjYTIxNzY2/NTNlYjk2ZDZiOGI0/MGFkOS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}