Marshall & Pruitt

07/24/2026

Blacks & Hispanics Neighborhoods Paying More For Homeowner Insurance
Insurance companies charge significantly higher rates for homeowners insurance in predominantly Black and Hispanic neighborhoods compared to predominantly white ZIP codes, according to a new study by the Consumer Federation of America. For the same level of coverage, homeowners in Hispanic communities pay 30% more on average – around $950 per year. Meanwhile, those in Black communities pay a 16% higher premium, or about $500 more annually. This racial disparity in home insurance premiums is not explained solely by local differences in the frequency of claims, severity of losses, environmental risks, house ages or housing density. After accounting for a range of such factors, the CFA report found that the racial premium gap persisted, with a 10% higher premium on average in Black neighborhoods and an 11% higher premium for Hispanic areas. The Fair Housing Act prohibits companies from discriminating against customers based on their race or other protected characteristics. If you suspect that you have been treated unfairly because of your race or ethnicity, you should request a written explanation from your insurer and gather any relevant documentation to support your case.

04/16/2026

04/16/2026

SoCal real estate attorney. Eviction Attorney works with landlords all over SoCal

04/16/2026

SoCal eviction attorney. I work with landlords from Santa Barbara to San Diego.
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01/05/2026

As a real estate agent and real estate attorney I found this article published in St. Louis Real Estate News to be an interesting read:

DOJ Doubles Down on Real Estate Commission Structure in Davis v. Hanna Holdings
By Dennis Norman, on December 24th, 2025

The U.S. Department of Justice (DOJ) has weighed in on the Davis v. Hanna Holdings case with a formal Statement of Interest, and it’s a clear signal to the real estate industry. The DOJ argues that real estate trade association rules, specifically those requiring sellers to offer compensation to buyers’ agents, may violate antitrust laws and deserve full scrutiny. For anyone who thought the pressure on commission practices might let up, this filing confirms the opposite.

What makes this noteworthy is the DOJ’s insistence that rules created and enforced by associations like the National Association of REALTORS® are not exempt from antitrust enforcement. According to the filing, these rules reduce competition, inflate commissions, and ultimately raise costs for consumers. The DOJ emphasizes that courts should not hesitate to apply the per se rule against price fixing when those rules control how competitors operate their own businesses. This reinforces the DOJ’s ongoing push to ensure real estate professionals compete on price and service rather than operate under legacy practices that limit consumer choice.

For homebuyers and sellers, this could eventually change how real estate services are paid for. Buyers may need to take a more active role in paying their agents directly, and sellers may reconsider including buyer-agent commissions in their pricing strategies. For agents and brokers, the message is clear: providing true value and being able to explain it is going to matter more than ever. This is a call for the industry to focus on transparency and competitive service, not just tradition.

The DOJ isn’t just offering an opinion, they’re making their legal position known and building momentum for more scrutiny across the board. Regardless of how this case turns out, the DOJ is laying the groundwork for change. The traditional way commissions are structured has been under a magnifying glass for some time, and this latest move signals the government’s intent to stay the course and pursue reform where it sees harm to consumers.

12/01/2025

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