Fair Housing
An insurance company in NC charges higher premiums for homeowner's insurance on properties in predominantly minority neighborhoods compared to identical properties elsewhere. This may violate:
AOnly the NC Insurance Code
BThe Fair Housing Act's prohibition on discriminatory terms and conditions✓ Correct
CRESPA
DThe NC General Statutes on contracts
Explanation
The Fair Housing Act prohibits discriminatory terms, conditions, or practices in the provision of homeowner's insurance based on race, color, or national origin (among other protected classes). This practice is a form of insurance redlining.
Related North Carolina Fair Housing Questions
- A NC real estate professional who encounters discrimination in housing should be aware that the penalty for a willful first violation of the Fair Housing Act may include:
- The federal Fair Housing Act of 1968 prohibits discrimination based on all of the following EXCEPT:
- A complaint alleging a violation of the federal Fair Housing Act must be filed with HUD within:
- Redlining in mortgage lending involves:
- Which of the following is an example of reasonable accommodation under the Fair Housing Act?
- A landlord in North Carolina refuses to rent to a family with three children citing building safety concerns. This most likely violates which protected class?
- Testers are used in fair housing enforcement to:
- 'Blockbusting' is an illegal practice in which brokers:
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