Coveragepriceguide

Insurance Guide Cost Tracker

Real monthly price data from US government sources (FRED, Bureau of Labor Statistics). Updated automatically each month.

Last updated: March 28, 2026 · Data: Federal Reserve / BLS

📖 How to read this data

These indices track the real cost of materials and labor that go into home renovation projects, sourced directly from US government agencies. When an index rises, contractor quotes typically follow within 1–3 months — materials get passed through to the homeowner. Use the trend charts to gauge whether prices are climbing, stabilizing, or pulling back before locking in a quote or signing a contract.

Household Insurance CPI

Source: BLS via FRED
293.3 February 2026
292.8293.1293.3 Jan 26Feb 26
▲ 0.2% vs Jan 26
What this measures

Consumer Price Index for household insurance (homeowners, renters, and vehicle) — base 1982-84=100.

Homeowners Insurance CPI

Source: BLS via FRED
272.5 February 2026
228.1250.3272.5 Sep 24Nov 24Jan 25Mar 25May 25Jul 25Sep 25Dec 25Feb 26
▲ 19.5% vs Sep 24
What this measures

Consumer Price Index for homeowners insurance (base 1982-84=100).

Medical Care Services CPI

Source: BLS via FRED
648.9 February 2026
615.4632.1648.9 Sep 24Nov 24Jan 25Mar 25May 25Jul 25Sep 25Dec 25Feb 26
▲ 5.5% vs Sep 24
What this measures

Consumer Price Index for medical care services — key driver of health insurance premiums.

Data Sources
All data is sourced from official US government databases: the Federal Reserve Economic Data (FRED), the Bureau of Labor Statistics (BLS), and the US Energy Information Administration (EIA). Charts show up to 18 months of monthly observations. Index values use the BLS base period (1982-84=100 unless noted).