Testing for Discrimination in Home Insurance

Research Report

Testing for Discrimination in Home Insurance

Abstract

Recent studies have shown that homeowners in minority neighborhoods are less likely to have private home insurance, have policies that provide less coverage in case of a loss, and are likely to pay more for similar policies than their counterparts in predominantly white neighborhoods. This report analyzes an Urban Institute study that explored one possible source of these differences by testing for discrimination against homebuyers in minority neighborhoods seeking insurance quotes.

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