TY JOUR TI IMPROVEMENT OF FIRE RESIDENTIAL INSURANCE KW fire insurance KW fire insurance KW accommodation KW living quarters KW real estate KW damages from fire KW voluntary insurance KW compulsory insurance KW fires and other natural disasters KW utility payments JO Problems of risk management in the technosphere AU Utkin, N.I. AU Dashko, V.M. AU Nikitin, S.V. PY 2015 IS 2015 PB Saint-Petersburg University of State Fire Service of Emercom of Russia