Insurance

Insurance is a covered transaction under fair housing laws. If you experience unexpected rising home insurance costs, dropped coverage or claims, the use of drones or aerial photography, or believe you may have been discriminated against by a home insurance carrier, please contact the FHCCI.

FHCCI Resources:

• FHCCI Brochure – Homeowner’s Insurance (English/Spanish)
• The State of Fair Housing in Indiana Report – The Insurance Crisis Hits Home, June 11, 2025

Government Guidance & Resources:

• Application of the Fair Housing Act’s Discriminatory Effects Standard to Insurance, U.S. Department of Housing & Urban Development, October 5, 2016
• HUD Memo on Insurance Policy Restrictions as a Defense for Denial of Reasonable Accommodations, U.S. Department of Housing & Urban Development, June 12, 2006

Reports of Interest:

• Insurers of Last Resort: Why Today’s FAIR Plans Need a Redesign to Address the Home Insurance Crisis, Climate & Community Institute, October 2, 2025
• Rising Property Insurance Premiums: The Uneven Risks to Household and Systemic Financial Stability, Americans for Financial Reform/Public Citizen, September 16, 2025
• Insurance Policy Tools Can Turn Post-Disaster Recovery into Resilience, Environmental Defense Fund, September 15, 2025
• Penalized: The Hidden Cost of Credit Score in Homeowners Insurance Premiums, Consumer Federation of America, August 13, 2025
• The State of Fair Housing in Indiana Report – The Insurance Crisis Hits Home, Fair Housing Center of Central Indiana, June 11, 2025
• A Guide for State and Local Governments to Protect People Financially in the Lead-up to and Aftermath of Climate Disasters, Equitable & Just Insurance Initiative, April 10, 2025
• Managing the Climate Change-Fueled Property Insurance Crisis, Center for American Progress, April 2, 2025
• Overburdened: The Dramatic Increase in Homeowners Insurance Premiums and its Impacts on American Homeowners, Consumer Federation of America, April 1, 2025
• The home insurance crisis is a threat to financial stability, Climate & Community Institute, May 16, 2024

Cases of Interest:

• Maryland Insurance Administration takes action against Erie Insurance for discriminatory business practices, Maryland, March 13, 2025
• Property Casualty Insurers Association of America v. U.S. Department of Housing & Urban Development, Illinois, March 26, 2024
• Baugh v. Covington Specialty Insurance Co., Louisiana, April 2018
• National Fair Housing Alliance Settles Disparate Impact Lawsuit with Travelers Indemnity Company, District of Columbia, February 23, 2018
• Viens v. Am. Empire Surplus Lines Ins. Co., Connecticut, June 23, 2015
• Nevels v. Western World Insurance Company, Inc., Washington, December 10, 2004
• National Fair Housing Alliance v. Prudential Ins. Co., District of Columbia, July 9, 2002
• Housing Opportunities Made Equal v. Nationwide, Virginia, October, 1998
• U.S. v. Nationwide, Southern District of Ohio, August 6, 2015
• Nationwide Mut. Ins. Co. v. Cisneros, 6th Circuit, May 1, 1995
• United Farm Bureau Mut. v. Human Rel. Com’n, 7th Circuit, May 23, 1994
• Mackey v. Nationwide Ins. Companies, 4th Circuit, January 6, 1984