Do consumers who reside in certain areas of Halifax, Calgary and Montreal have trouble getting home insurance?


Stéphanie Poulin


Option consommateurs




The objective of our study is to verify if Canadian consumers who live in underprivileged areas of Calgary, Halifax and Montreal have trouble getting insurance. We want to know if insurance companies (1) refuse to insure consumers because of the area they live in (2) and if they use methods or apply certain policies which give consumers limited access to home insurance. Our study has two sections: Documented research on redlining and the legislation pertaining to this problem, as well as a telephone investigation of agents and insurance brokers, in order to evaluate their methods and to get premium prices for a basic insurance policy. As you will see in detail in section 2, we selected an underprivileged area as well as a wealthier sector in all three cities we selected for our telephone investigation, that was done between February and April 2002. In each sector, we chose a building with similar characteristics. Our investigator, based on the address of each of these buildings, completed his investigation. Following these sections, we will draw our conclusions and make the necessary recommendations we feel will help make home insurance more accessible.

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OCA Funded Research
This research received funding support through the Office of Consumer Affairs' Contributions Program.

Contact information

50 Sainte-Catherine street West, Suite 440
Montreal, Quebec
H2X 3V4
(514) 598-7288
(514) 598-8511

Source: Consumer Policy Research Database

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