[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.