The Clinton administration called it racism and blackmailed the banks in to making the risky loans. That gave us on of the causes of the Mortgage Bubble.
Does the insurance industry use red lining?
I’m sure they would be called racist if they do. Just thinking though, that there is solid evidence, crime statistics, etc. that certain areas are a bigger risk for insurers, and thus, they could justify charging more for insurance in certain areas. Just wondering.