The escalating cost of homeowners insurance in the 21st century has raised concerns about its role in perpetuating discrimination, particularly among people of color. For many Black, Hispanic, and Indigenous families, the cost of insurance becomes an insurmountable barrier to protecting their homes, leading to higher rates of underinsurance or going without coverage altogether. Many argue that the situation represents a form of modern discrimination that exacerbates long-standing racial and economic divides.
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