While insurance is increasingly accepted as an adaptation option , positive outcomes are not guaranteed . First, there are concerns as to whether this will shift responsibility to the most vulnerable people to pay premiums . There is also high risk for insurance to cause maladaptation ; for example, Annan and Schlenker  showed that insured crops were less well adapted to heat stress. To avoid this, people simultaneously invest in insurance and adaptations that reduce vulnerability/exposure  .
IPCC
Climate Change 2022: Impacts, Adaptation and Vulnerability
IPCC Report