About 1970 a friend of mine got charged higher rates on his insurance than the other people he knew. The insurance agent told him it was because he wasn't married to the woman he was living with.
Jon asked "Are unmarried couples a higher risk?"and the agent said, "No, but we try to preserve the status quo."

Well, the status quo done shifted since then, but insurance companies still don't always set rates according to risk.

Frinstance I understand you're generally not insured against flood on your homeowner's insurance, no matter where you live.

clint