Natural and unnatural catastrophes create hazards and cause increasing damage not only to property, but also claim more and more lives. The cause of this state of affairs can be found firstly in climate changes1) and secondly in the economic development of countries exposed to these risks (the increase in the infrastructure value and in the number of inhabitants in these areas). The subject of catastrophes, including ecological disasters and their outcomes, raises more and more voices calling for the introduction of systemic solutions whose effect will be to minimise the financial effects of these catastrophes. One such element is insurance instruments [1-6]. This article is a continuation of research conducted in the EU states and in southeastern Poland with respect to the awareness of insurance coverage among people living in individual households as a method for reducing these risks.