In the context of insurance, which behavior is NOT considered a morale hazard?

Morale hazard refers to a situation where an individual's behavior becomes riskier because they possess insurance coverage. This often manifests as a lack of concern for loss because the assurance of coverage creates a sense of security, leading to careless actions.

In this context, properly securing valuable items when not in use demonstrates responsible behavior that minimizes the risk of loss. This action reflects a sense of duty to protect one's assets, regardless of insurance coverage. It indicates an awareness of potential risks and a proactive approach to mitigating them, which starkly contrasts with the concept of morale hazard. Behaviors associated with morale hazards typically involve negligence or recklessness, while securing valuable items displays caution and prudence.

Therefore, the choice that does not represent behavior contributing to a morale hazard is indeed taking appropriate measures to ensure the safety of valuable possessions.