HMB is safer...for cars

I set up my house insurance policy yesterday with Bel-Air Direct. This is the first time that I've had to get my own policy. Setting it up is pretty painless although there are a lot of questions to answer including whether your house is within certain distances of a fire hydrant and fire station which would affect your premiums. I had actually got that information from Mattamy beforehand. I am currently with Bel-Air Direct for my auto insurance so I will now get a discount on my auto insurance for having multiple policies. At first, they quoted my discount at $189 but then got a call back from them saying that the discount will actually be $290 because the HMB area is deemed to be a lower risk. I never thought of my current neighbourhood being unsafe so probably still relatively low risk although maybe that sweet old lady next door isn't so sweet? Could be just a front to cover up some elaborate car chop shop operation sending stolen cars to South America. Hmmm...better put 'The Club' on my car tonight.... :-P