[h4nkoslo]

Risk models will depend heavily on your specific address, especially in NYC where two properties on the same block might have vastly different risk profiles. Your name is likely used for credit score (effectively conscientiousness score) which is also a huge correlate of risk.

[avitzurel]

In theory, this is indeed true. However I went through the funnel twice. I googled "The worst neighborhood in new york", went to google maps and picked a random address from this neighborhood. Got the exact same price as another "good" neighborhood in new york.

[h4nkoslo]

It's possible the quote is not the actual price - for home insurance, at least, you typically pay the quote & you're covered until they can do an in-person inspection & give a "real" price. You can then either pay / get back the difference, or cancel with a refund for the remainder of the term.