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Lead fact is wrong. Inflation 2017-2021 according to the Federal Reserve is 10.73%, and that doesn’t yet include the 4th Quarter.
So I guess “Homeowners Insurance Premiums Up Almost Exactly the Same as Inflation 2017-2021” isn’t a good headline, and an even worse story premise…
Homeowner insurance is regulated – and priced – on a state-by-state basis. Insurers therefore don’t use the national rate of inflation, but rather calculate their replacement values based on the geographic risk of their insureds property and the costs of local materials and labor to replace what has been damaged or destroyed. Both risk and costs are constantly moving targets.
Another Washington Post article on the IBJ.
One of the reasons cited in the article for home insurance premium increases – climate change!
Good grief.
Yes…the wild fires, tornados, floods…all to be expected. Except they’re all more destructive and thus more costly the at any time in our lives. What else might explain these?
More people who are wealthier than at any point in human history. We much of that population and wealth concentrated in areas prone to Mother Nature (coasts).
The population of the US in 1990: 249,000,00
The population of the US in 2020: 331,000,000