Testing for Discrimination in Home Insurance: Results from New York City and Phoenix.
This paper examines the results of a paired testing study of neighbourhood-based discrimination in the provision of quotes for home insurance in New York City and Phoenix, Arizona. We examine whether agents treated insurance-seekers buying their first homes in moderate-income, predominantly black or...
| Publicado en: | Urban Studies (Routledge) Vol. 38; no. 1; pp. 141 - 157 |
|---|---|
| Autores principales: | , , |
| Formato: | Artículo |
| Publicado: |
Taylor & Francis Ltd
Jan2001
|
| Materias: | |
| Acceso en línea: | Ver este registro en EBSCOhost |
| fields | @attributes: recordID: 1 pdfLink: plink: https://search.ebscohost.com/login.aspx?direct=true&db=hlh&AN=3954553&site=ehost-live header: @attributes: shortDbName: hlh uiTerm: 3954553 longDbName: Humanities International Complete uiTag: AN controlInfo: bkinfo: jinfo: jid: 00420980 UST jtl: Urban Studies (Routledge) issn: 00420980 maglogo: Y pubinfo: dt: Jan2001 vid: 38 iid: 1 pid: 377 pub: Taylor & Francis Ltd artinfo: ui: 3954553 10.1080/00420980125481 ppf: 141 ppct: 16 formats: fmt: – @attributes: type: T – @attributes: type: P size: 200KB tig: atl: Testing for Discrimination in Home Insurance: Results from New York City and Phoenix. aug: au: Galster, George Wissoker, Douglas Zimmermann, Wendy su: Discrimination in insurance Insurance companies United States sug: subj: United States Discrimination in insurance Insurance companies ab: This paper examines the results of a paired testing study of neighbourhood-based discrimination in the provision of quotes for home insurance in New York City and Phoenix, Arizona. We examine whether agents treated insurance-seekers buying their first homes in moderate-income, predominantly black or Hispanic-occupied neighbourhoods differently from insurance-seekers in comparable predominantly white neighbourhoods. The study examines differences in whether a quote is provided, the type of insurance and policy options offered and the premium quoted. Overall, of 10 key measures (5 for each city), only 1 (optional replacement cost coverage on personal property in Phoenix) showed a statistically significant difference consistent with discrimination. Testers in Hispanic neighbourhoods of Phoenix were quoted premiums 12 per cent higher than those offered to testers in white neighbourhoods. This difference, however, is in line with the price schedules for the state-approved rating territories in which the white and Hispanic homes were located. pubtype: Academic Journal doctype: Article src: R language: English refInfo: copyright: @attributes: flag: Y custom: Copyright of Urban Studies (Routledge) is the property of Taylor & Francis Ltd and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. item: Urban Studies (Routledge) holder: Taylor & Francis Ltd dt: @attributes: year: 2001 holdings: @attributes: islocal: N |
|---|