Insurance Redlining

This volume brings new evidence to bear on the issues that have framed almost 30 years of debate over insurance redlining -- discrimination in the homeowners' insurance market based on the racial or ethnic characteristics of neighborhoods. The authors present the most current findings on a range of critical issues: why and how the Fair Housing Act applies to insurance; the distribution of insurance products and services and the significance of race in that pattern; industry practices that contribute to unequal access; enforcement efforts to ensure equitable access; and industry initiatives to help reduce the objective factors that harm their ratings. They provide a framework for the development of public policy, private industry practice, and partnerships with community-based organizations that can facilitate insurance availability.