Homeowners' insurance discrimination : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Third Congress, second session on the availability, affordability, and accessibility of homeowners' insurance, particularly in urban neighborhoods. Community activists and interest groups argue that many urban areas have insurance problems because of insurance discrimination based on racial and income characteristics of a geographical area--i.e. redlining : insurers respond that they provide coverage based on color-blind underwriting guidelines and they simply differentiate between risks in providing coverage to individuals at a price that reflects expected losses; higher prices, particularly in urban neighborhoods, that reflect a greater risk of crime, vandalism, or loss, May 11, 1994.