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Economy guides
Building materials, labor shortages and claim costsMaterials and labor both cost far more than in 2020. Federal price data, a 2026 contractor survey, and how repair costs reach your claim and your premium.Catastrophe bonds and home insuranceHow cat bonds let investors, not just reinsurers, back hurricane and wildfire risk, who sponsors them, and what they change for homeowners and their premiums.Home insurance as a share of what you pay for housingICE puts insurance at 9.6% of the average mortgage payment in September 2026, but the range runs from about 4% to 24% by city. How to measure your own share.How rising insurance costs affect home prices and salesPremiums shrink what buyers can borrow, and studies find they slow price growth in the riskiest ZIP codes. What the research shows and what to do.Home insurance market outlookWhere home insurance pricing stands in October 2026: insurers back in profit, reinsurance costs falling, rate increases slowing, and the risks that remain.Inflation, rebuilding costs and underinsuranceRebuilding costs rose nearly 30% in five years. How that leaves limits short, what research says drives underinsurance, and how to keep your limit current.Inflation guard and automatic coverage increasesInflation guard raises your dwelling limit by a set percentage or an index each year. How it works, what it misses and why it can't replace a rebuild estimate.Reinsurance costs and your premiumHow the price of reinsurance reaches a homeowners rate, what happened to it in 2023 and since, and why falling reinsurance prices do not cut every bill.Reinsurance: the insurers behind your insurerHow reinsurance works for home insurers: quota share vs excess of loss, retentions and towers, state backstops, and what it means for your premium and claim.Tariffs and home insurance costsHow tariffs on steel, lumber and other inputs can raise rebuilding costs and claims, what Triple-I and AM Best have said, and what to check on your policy.