EPISODE · Jun 24, 2026 · 6 MIN
Why Your Raise Is Finally Beating Home Insurance Costs
from Wages and Prices with Fexingo: Cost of Living, Pay Raises, and Workers' Purchasing Power · host Fexingo
In episode 71 of Wages and Prices, Lucas and Luna explore a bright spot for homeowners: after years of double-digit premium increases, home insurance costs are finally growing slower than wages. Using fresh May 2026 data on average hourly earnings and the latest CPI shelter index, they explain the structural shift — from climate model repricing to state-level rate caps to the quiet normalization of reinsurance markets. Lucas walks through why insurers are no longer jacking up premiums as aggressively, and Luna asks the practical question: how long can this last if wildfire season starts early? A grounded, numbers-driven look at one corner of the cost-of-living puzzle that's finally turning in workers' favor. #HomeInsurance #WagesBeatInflation #HousingCosts #InsurancePremiums #Reinsurance #ClimateRisk #Wildfire #CPI #AverageHourlyEarnings #WorkersPurchasingPower #CostOfLiving #PersonalFinance #InsuranceRates #StateRegulation #FexingoBusiness #BusinessPodcast #Economics #WagesAndPrices Keep every episode free: buymeacoffee.com/fexingo
What this episode covers
In episode 71 of Wages and Prices, Lucas and Luna explore a bright spot for homeowners: after years of double-digit premium increases, home insurance costs are finally growing slower than wages. Using fresh May 2026 data on average hourly earnings and the latest CPI shelter index, they explain the structural shift — from climate model repricing to state-level rate caps to the quiet normalization of reinsurance markets. Lucas walks through why insurers are no longer jacking up premiums as aggressively, and Luna asks the practical question: how long can this last if wildfire season starts early? A grounded, numbers-driven look at one corner of the cost-of-living puzzle that's finally turning in workers' favor. #HomeInsurance #WagesBeatInflation #HousingCosts #InsurancePremiums #Reinsurance #ClimateRisk #Wildfire #CPI #AverageHourlyEarnings #WorkersPurchasingPower #CostOfLiving #PersonalFinance #InsuranceRates #StateRegulation #FexingoBusiness #BusinessPodcast #Economics #WagesAndPrices Keep every episode free: buymeacoffee.com/fexingo
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Why Your Raise Is Finally Beating Home Insurance Costs
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