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August 25, 2005.


The opinion of the court was delivered by: JOHN GRADY, Senior District Judge


Before the court is the motion of defendant Allstate Insurance Company for summary judgment. For the following reasons, the motion is granted.


  Plaintiff Virgie Porter, proceeding pro se, alleges that defendant Allstate Insurance Company ("Allstate") discriminated against her, based on her gender, in the provision of homeowners' insurance. The complaint does not cite the federal statute under which Porter is bringing this action. In our previous memorandum opinion granting Porter's motion to proceed in forma pauperis, we held that the complaint states a claim for violation of Title VIII of the Fair Housing Act, which prohibits gender discrimination, inter alia, "in the provision of services or facilities in connection" with the sale or rental of housing as well as activities that "make unavailable or deny" housing. 42 U.S.C. § 3604(a), (b). As Allstate concedes, the Seventh Circuit has interpreted § 3604 as applying to discriminatory denials of insurance and discriminatory pricing, see NAACP v. American Family Mut. Ins. Co., 978 F.2d 287, 301 (7th Cir. 1992).

  Plaintiff bases her claim on the fact that her insurance premiums were higher than those of a male Allstate policyholder, Abb Locke.*fn1 She seeks $5 million. Allstate now moves for summary judgment.


  A. Summary Judgment Standards

  Summary judgment "shall be rendered forthwith if the pleadings, depositions, answers to interrogatories, and admissions on file, together with the affidavits, if any, show that there is no genuine issue as to any material fact and that the moving party is entitled to a judgment as a matter of law." Fed.R.Civ.P. 56(c). In considering such a motion, the court construes the evidence and all inferences that reasonably can be drawn therefrom in the light most favorable to the nonmoving party. See Pitasi v. Gartner Group, Inc., 184 F.3d 709, 714 (7th Cir. 1999). "Summary judgment should be denied if the dispute is `genuine': `if the evidence is such that a reasonable jury could return a verdict for the nonmoving party.'" Talanda v. KFC Nat'l Mgmt. Co., 140 F.3d 1090, 1095 (7th Cir. 1998) (quoting Anderson v. Liberty Lobby, Inc., 477 U.S. 242, 248 (1986)). The court will enter summary judgment against a party who does not "come forward with evidence that would reasonably permit the finder of fact to find in [its] favor on a material question." McGrath v. Gillis, 44 F.3d 567, 569 (7th Cir. 1995).

  Once the moving party has supported its motion for summary judgment, the "adverse party may not rest upon the mere allegations or denials of the adverse party's pleading, but the adverse party's response, by affidavits or as otherwise provided in [Rule 56], must set forth specific facts showing that there is a genuine issue for trial." Fed.R.Civ.P. 56(e). Any fact asserted in the movant's affidavit will be accepted by the court as true unless the adverse party submits its own affidavits or other evidence contradicting the assertion. See Curtis v. Bembenek, 48 F.3d 281, 287 (7th Cir. 1995). If the adverse party does not respond with evidence complying with Rule 56, "summary judgment, if appropriate, shall be entered against the adverse party." Fed.R.Civ.P. 56(e).

  A pro se plaintiff is entitled to have her pleadings construed liberally. See Haines v. Kerner, 404 U.S. 519, 520 (1972). Such plaintiffs are also entitled to a certain amount of latitude with respect to the technical rigors of summary judgment. See Kincaid v. Vail, 969 F.2d 594, 598 (7th Cir. 1992). However, where a pro se plaintiff has not pointed to anything beyond conclusory statements in the pleadings which would indicate the existence of a triable issue of fact, she has failed to meet her burden under Rule 56. See Timms v. Frank, 953 F.2d 281, 285 (7th Cir. 1992) (holding that all pro se litigants are entitled to notice of the requirements of Rule 56 because failure to point to evidence beyond the complaint will result in summary judgment being entered against them).

  Here, along with its motion for summary judgment, Allstate served plaintiff with a "Notice to Pro Se Litigant Opposing Motion for Summary Judgment," pursuant to Local Rule 56.2, that informed plaintiff of the requirements of Rule 56.

  B. Housing Discrimination

  The elements of a discrimination claim under the Fair Housing Act closely follow the elements of employment discrimination. See Kormoczy v. Secretary, U.S. Dep't of Housing and Urban Dev. ex rel. Briggs, 53 F.3d 821, 823 (7th Cir. 1995). Thus, plaintiff may choose one of two distinct evidentiary paths to prove that Allstate had a discriminatory intent: (1) directly, through direct or circumstantial evidence; or (2) indirectly, through the inferential burden-shifting method known as the McDonnell Douglas test. See id. at 823-24; Village of Bellwood v. Dwivedi, 895 F.2d 1521, 1531 (7th Cir. 1990). Because plaintiff offers no direct or circumstantial evidence of gender discrimination, we proceed to the second method of proof.

  Under the McDonnell Douglas approach, a plaintiff first has the burden of proving a prima facie case of discrimination. See Brummett v. Sinclair Broad. Group, Inc., 414 F.3d 686, 692 (7th Cir. 2005). For purposes of this motion, we will assume that plaintiff has done so, although it is highly doubtful.*fn2 (The only evidence plaintiff submits is her affidavit, in which she states in relevant part merely that her homeowners' insurance premium in 2002 was $1,027.00, while Mr. Locke's was $558.00, and that Mr. Locke had greater coverage.) If a prima facie case is established, the burden of proof shifts to the defendant to articulate a legitimate, ...

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