Stagflation Is Quietly Reshaping the Homeowners Insurance Market

Episode 48 of Stagflation Conversations with Fexingo: Lucas and Luna drill into the homeowners insurance market, where premiums have jumped 22% over the past year—outpacing even the general inflation rate. They unpack how persistent high inflation and slow growth are forcing insurers to reassess risk models, especially for catastrophe-prone states like Florida and California. Lucas cites a recent 4.2% CPI print and notes that construction cost inflation is a key driver, while Luna flags the uptick in job openings and what it means for affordability. The hosts compare today's landscape to the 1970s, when stagflation reshaped insurance regulation, and discuss whether the current cycle will lead to a government backstop or a private-market correction. A focused, data-rich conversation for anyone feeling the pinch at renewal time. #HomeownersInsurance #Stagflation #InsurancePremiums #Inflation #FloridaInsurance #CaliforniaInsurance #ConstructionCosts #CPI #ClimateRisk #Regulation #Economics #PropertyInsurance #Reinsurance #RiskModeling #FexingoBusiness #BusinessPodcast #Podcast #InsuranceMarket Keep every episode free: buymeacoffee.com/fexingo