EPISODE · Jun 24, 2026 · 8 MIN
Why Your Insurance Bill Wont Cool With CPI
from Inflation Explained with Fexingo: CPI, Prices, and the Cost of Living for Everyday People · host Fexingo
In this episode of Inflation Explained with Fexingo, Lucas and Luna dig into why your homeowners and auto insurance premiums keep surging even as overall inflation cools. With the latest CPI data showing core inflation still sticky at 336.1, insurance costs are rising at double-digit rates — and the reasons go beyond simple supply and demand. Lucas breaks down the role of climate-driven catastrophe losses, rising reinsurance costs, and regulatory lag in states like Florida and California. Luna points out that insurers are now using AI to model risk in real-time, which could reshape pricing for years. They also connect the dots to the 10-year breakeven rate, which has dipped to 2.21%, suggesting the bond market sees insurance-driven inflation as a persistent but contained pressure. If you've wondered why your renewal letter keeps getting more expensive, this episode explains what's really driving those numbers. #Inflation #Insurance #HomeownersInsurance #AutoInsurance #CPI #CoreCPI #Reinsurance #ClimateRisk #Florida #California #ArtificialIntelligence #Underwriting #Premiums #Economics #FexingoBusiness #BusinessPodcast #CostOfLiving #FedPolicy Keep every episode free: buymeacoffee.com/fexingo
What this episode covers
In this episode of Inflation Explained with Fexingo, Lucas and Luna dig into why your homeowners and auto insurance premiums keep surging even as overall inflation cools. With the latest CPI data showing core inflation still sticky at 336.1, insurance costs are rising at double-digit rates — and the reasons go beyond simple supply and demand. Lucas breaks down the role of climate-driven catastrophe losses, rising reinsurance costs, and regulatory lag in states like Florida and California. Luna points out that insurers are now using AI to model risk in real-time, which could reshape pricing for years. They also connect the dots to the 10-year breakeven rate, which has dipped to 2.21%, suggesting the bond market sees insurance-driven inflation as a persistent but contained pressure. If you've wondered why your renewal letter keeps getting more expensive, this episode explains what's really driving those numbers. #Inflation #Insurance #HomeownersInsurance #AutoInsurance #CPI #CoreCPI #Reinsurance #ClimateRisk #Florida #California #ArtificialIntelligence #Underwriting #Premiums #Economics #FexingoBusiness #BusinessPodcast #CostOfLiving #FedPolicy Keep every episode free: buymeacoffee.com/fexingo
NOW PLAYING
Why Your Insurance Bill Wont Cool With CPI
No transcript for this episode yet
Similar Episodes
No similar episodes found.
Similar Podcasts
No similar podcasts found.