I meant
homeowner's insurance that's required by mortgage companies. The neighborhoods with higher rates of property damage and theft are usually low-income rentals, but the cost still gets passed down by the property owner in the tenant's rent. And there different claims standards/requirements for owner-occupied vs rental houses, and another for apartment renter's insurance.
The kind of property damage and theft that makes the "odds" of filing a claim higher in "certain communities" are more common for autos, not residences. Then the
deductible is probably a better predictor if a claim will be filed. It's usually cheaper to pay cash OOP for repairing/replacing things like a smashed window (to steal contents), or even replacing stolen computerized side mirrors (that then get sold to auto shops doing *insured* repairs

) than filing a claim, paying the high deductible (that makes the premiums affordable in the first place), and then paying higher premiums.
That's why legal minimum car insurance is popular with low-income drivers -- it's the only way they can afford to have a car, and drive to work, or school, or the grocery store, or wherever -- and not have to rely on long, inefficient bus routes. News flash: most people in the US don't have access to trains or subways, and the NEED to have a car should be squarely placed on elected officials and insurance industry lobbyists. /rant