{"id":4,"date":"2026-08-31T12:00:00","date_gmt":"2026-08-31T12:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/guerreroins-com\/2026\/08\/31\/us-insurance-premiums-are-reshaping-affordability\/"},"modified":"2026-08-31T12:00:00","modified_gmt":"2026-08-31T12:00:00","slug":"us-insurance-premiums-are-reshaping-affordability","status":"publish","type":"post","link":"https:\/\/www.guerreroins.com\/blog\/2026\/08\/31\/us-insurance-premiums-are-reshaping-affordability\/","title":{"rendered":"US Insurance Premiums Are Reshaping Affordability"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/troy-guerrero\/rising-insurance-housing-remotion-videos-7a4c\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>From 2018 to 2024, avg. annual premiums at mortgage origination climbed from $1.27K to $1.86K, far faster than inflation over that period nationally.<br \/>\nPremiums also took a bigger income share, moving from ~1.9% to ~2.3% at origination, while the share spending &gt;3% reached ~1 in 6.<br \/>\nThe burden was not explained by hazard risk alone; it reflected borrower finances, property conditions, neighborhood traits, and wider geographic market conditions.<br \/>\nLower-income borrowers faced a double burden, paying higher insurance costs per $1K of home value, while stronger credit profiles were linked to lighter burdens.<br \/>\nNationally, the findings pointed to a growing need for market-level data and tailored responses, because insurance affordability pressures varied locally and lacked one solution.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>From 2018 to 2024, avg. annual premiums at mortgage origination climbed from $1.27K to $1.86K, far faster than inflation over that period nationally. Premiums also took a bigger income share, moving from ~1.9% to ~2.3% at origination, while the share spending &gt;3% reached ~1 in 6. The burden was not explained by hazard risk alone; [&hellip;]<\/p>\n","protected":false},"author":151,"featured_media":16,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/posts\/4","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/users\/151"}],"replies":[{"embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/comments?post=4"}],"version-history":[{"count":0,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/posts\/4\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/media\/16"}],"wp:attachment":[{"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/media?parent=4"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/categories?post=4"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.guerreroins.com\/blog\/wp-json\/wp\/v2\/tags?post=4"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}