Dual line chart showing indexed CPI-U values from 2015 to 2026 for tools, hardware and supplies versus household insurance. Hardware costs surged sharply from 2021, reaching around 129 by 2026, while insurance rose more gradually to around 119, reversing the earlier relationship.
Tools, hardware & supplies Household insurance
Source: U.S. Bureau of Labor Statistics, CPI-U, series CUUR0000SEHM01 and CUUR0000SEHD. Annual averages calculated from monthly values (2026 based on Jan–Apr). Index: Jan. 2015 = 100.
The alternative gaining traction across the country is physical risk reduction – hardening homes against fire, hail and wind before disaster strikes, rather than pricing for losses after it does.
