Double line chart showing indexed CPI-U values from 2015 to 2026 for appliances, hardware and supplies versus home insurance. Hardware costs increased rapidly from 2021, reaching around 129 by 2026, while insurance increased slowly to around 119, reversing the earlier relationship.
Tools, Hardware and Supplies home insurance
Source: US Bureau of Labor Statistics, CPI-U, series CUUR0000SEHM01 and CUUR0000SEHD. Annual averages are calculated from monthly values (based on January–April 2026). Index: January 2015 = 100.
The alternative across the country is physical risk reduction – strengthening homes against fire, hail and wind before disaster strikes, rather than pricing for damage after it occurs.