many insurance companies have minimum premiums around $100-140 per year for renters depending on their OIE. renter is usually fairly simplistic in terms of its segmentation. a persons insurance score is small part of that, coverage limits like liability and contents coverage will drive cost but also geography will price perils like theft and weather perils (the later should be light since renters is really just contents and liability). so you’d expect geography for renters to be somewhat of a larger influence. it’s unlikely any insurance carrier is specifically pricing to penalize for the color of your skin. it is probable though that there are some correlation with something else they are pricing for.