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In undertaking what we believe is the first national-scale study of its kind, we provide methodologically transparent, statistically robust insights into associations and potential unfolding effects of house and contents under-insurance. We identify new dimensions in the complex relationship between householders and insurance, including the salience of interpersonal – and likely institutional – trust. Under-insurance is (re)produced along socio-economic and geographical lines, with those of lower socio-economic status or living in cities more likely to be under-insured. Should a disaster strike, such communities are likely to suffer further disadvantage, especially if governments continue to shift the responsibility for risk onto households. Our findings support the observation that insurance can contribute to increasing socio-economic urban polarisation in light of natural disasters. We conclude by considering how under-insurance may contribute to growing urban social stratification, as well as how it may produce situated ethical and political responses that exceed neoliberal aspirations.

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2018. A framework for incorporating sense of place into the management of marine systems. Ecology and Society 23(4):4. https://doi.ABSTRACT. Successfully managing current threats to marine resources and ecosystems is largely dependent on our ability to understand and manage human behavior. In recent times we have seen increased growth in research to understand the human dimension of marine resource use, and the associated implications for management. However, despite progress to date, marine research and management have until recently largely neglected the critically important role of "sense of place," and its role in influencing the success and efficacy of management interventions. To help address this gap we review the existing literature from various disciplines, e.g., environmental psychology, and sectors, both marine and nonmarine sectors, to understand the ways is which sense of place has been conceptualized and measured. Doing so we draw on three key aspects of sense of place, person, place, and process, to establish a framework to help construct a more organized and consistent approach for considering and representing sense of place in marine environmental studies. Based on this we present indicators to guide how sense of place is monitored and evaluated in relation to marine resource management, and identify practical ways in which this framework can be incorporated into existing decision-support tools. This manuscript is a first step toward increasing the extent to which sense of place is incorporated into modeling, monitoring, and management decisions in the marine realm.Ecology and Society 23(4): 4 https://www.ecologyandsociety.org/vol23/iss4/art4/

Australian households are increasingly vulnerable to natural hazard-related disasters. To manage disaster risk, government commissioned inquiries have called for greater investment in mitigation. This article critically examines the call for a shift in funding priority towards pre-disaster mitigation measures, in the context of growing concerns around the ability of households to access and afford insurance. It examines mitigation measures in the context of three prominent Australian disasters: the Black Saturday bushfires (Victoria, 2009), the Queensland floods (2010-2011), and Cyclone Yasi (Queensland, 2011). We argue that as a mode of disaster security, mitigation operates as a complex assemblage of logics and practices of protection, preparedness, and resilience, which problematizes simplistic protection/resilience binaries. On the one hand, mitigation serves as a mode of protection, which underscores the dominant maladaptive rationality of insurance. It promises a collective solution to uninsurability that is limited by government fiscal constraints and growing employment of risk-reflective insurance pricing. On the other hand, there is evidence of an emergent rationality of household insurance as a path to resilience and preparedness-for example, in the development of insurance systems that price household retrofitting technologies and in the development of policyholder education campaigns. This resilience rationality holds the promise of securing individuals previously excluded from insurance. However, for householders lacking the necessary physical, cognitive, and financial capacities to make themselves and their properties resilient, the transition to a pre-disaster mitigation mode of security will likely do little to alleviate disadvantage and marginalization.

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