Fair Housing
A NH insurance company that charges higher homeowner's insurance premiums in minority-majority ZIP codes than in comparable White-majority ZIP codes may be engaging in:
ASound actuarial risk assessment
BIllegal redlining under federal and state fair housing and insurance laws✓ Correct
CLegal rate-setting that is not covered by fair housing
DOnly a violation of state insurance law, not fair housing law
Explanation
Insurance redlining — charging higher premiums based on neighborhood racial composition rather than actual risk factors — violates both the Fair Housing Act (as applied by HUD to property insurance) and state insurance regulations.
Related New Hampshire Fair Housing Questions
- A real estate agent refuses to show a White buyer homes in a predominantly Black neighborhood. This is an example of:
- Which of the following statements about disability accommodations under the Fair Housing Act is TRUE?
- A NH apartment complex's policy stating 'no overnight guests' is applied only to the tenant's adult children but not to other guests. This selective enforcement:
- Under the Fair Housing Act, which of the following is allowed?
- A landlord in New Hampshire asks prospective tenants 'Do you have any children?' on an application. This question:
- A NH landlord who allows a dog for one tenant but denies a similar request from a tenant of a different race is engaging in:
- A NH HOA rule prohibiting residents from posting any signs or flags in their units or on their balconies may face challenge under:
- A NH HOA rule prohibiting display of any flags or signs except the American flag could potentially raise:
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