I lived in Fishtown and port Richmond for a little over 6 years. During that time I had the H stolen off my Honda (WTF?), a woman who was high as a kite slam into the back of my car at a red light (unlicesened and uninsured so that was on my dime), a hit and run that smashed up the side of my car parked in front of my house (I found the MFer and made them cover the cost but it took a ton of my own time and effort), windows keyed, and, yea I know it’s minor but, someone kept stealing my dam tire valve caps! I also had a woman try to pry my window open at a Dunkin’ Donuts because I honked at her when she was about to crash into me. No obvious damage from that one but the window never quite worked right after that. So yeah… that’s why your insurance is high in fishtown. When I moved to the burbs my insurance went down by almost half.