---
title: "Tenants' and Household Insurance CPI"
slug: tenants-and-household-insurance-cpi
summary: "Tenants' and household insurance prices rose 3% in the 12 months to September 2026, by our calculation from U.S. Bureau of Labor Statistics data."
category: "Prices"
unit: percent
frequency: monthly
direction: higher_is_worse
latest_value: 3.0352781946038077
latest_period: "2026-09"
trend: unknown
trend_suppressed: "rate_of_change_series"
last_updated: "2026-10-29T17:24:17Z"
source: "U.S. Bureau of Labor Statistics"
measurement_basis: "Year-over-year percent change computed from the Bureau of Labor Statistics Tenants' and Household Insurance CPI (CUUR0000SEHD, not seasonally adjusted; BLS publishes no seasonally adjusted series for it). The index prices a fixed renters' insurance policy, which BLS uses to track the cost of insuring a home's contents. BLS samples only renters' policies, so coverage on the house itself is not in this index. Because the policy is held fixed, it moves less than the average premium bill, which also rises when coverage, deductibles or rebuilding values change. Industry and regulator figures (the National Association of Insurance Commissioners and the Treasury's Federal Insurance Office) report larger increases in the average premium per policy."
source_url: https://data.bls.gov/timeseries/CUUR0000SEHD
canonical_html: https://americandefault.org/indicators/tenants-and-household-insurance-cpi/
citation_apa: "Kilburn, R. (2026). Tenants' and Household Insurance CPI [Data set]. American Default Research. https://americandefault.org/indicators/tenants-and-household-insurance-cpi/"
citation_chicago: "Kilburn, Ross. 2026. \"Tenants' and Household Insurance CPI.\" American Default Research. https://americandefault.org/indicators/tenants-and-household-insurance-cpi/."
citation_mla: "Kilburn, Ross. \"Tenants' and Household Insurance CPI.\" American Default Research, 2026, americandefault.org/indicators/tenants-and-household-insurance-cpi/."
---

# Tenants' and Household Insurance CPI

> Tenants' and household insurance prices rose 3% in the 12 months to September 2026, by our calculation from U.S. Bureau of Labor Statistics data.

## Current Reading

As of September 2026, Tenants' and Household Insurance CPI is **3.04%**.

## Recent Values

| Period | Value |
|--------|-------|
| 2026-09 | 3.04% |
| 2026-08 | 4.09% |
| 2026-07 | 4.8% |
| 2026-06 | 5.89% |
| 2026-05 | 6.89% |
| 2026-04 | 7.19% |
| 2026-03 | 7.38% |
| 2026-02 | 6.16% |
| 2026-01 | 6.9% |
| 2025-12 | 8.16% |
| 2025-11 | 7.05% |
| 2025-09 | 7.51% |

## Historical Context

- Peak since 1998: **8.16%** in December 2025
- Low since 1998: **-2.35%** in March 2006
- Pre-pandemic average (2015-01 – 2019-12): **1.37%**
- Post-pandemic average (2020-01 – 2024-12): **0.86%**

## Methodology

This indicator carries monthly observations and is interpreted as higher values indicate worse household conditions. Source: U.S. Bureau of Labor Statistics.
Measurement basis: Year-over-year percent change computed from the Bureau of Labor Statistics Tenants' and Household Insurance CPI (CUUR0000SEHD, not seasonally adjusted; BLS publishes no seasonally adjusted series for it). The index prices a fixed renters' insurance policy, which BLS uses to track the cost of insuring a home's contents. BLS samples only renters' policies, so coverage on the house itself is not in this index. Because the policy is held fixed, it moves less than the average premium bill, which also rises when coverage, deductibles or rebuilding values change. Industry and regulator figures (the National Association of Insurance Commissioners and the Treasury's Federal Insurance Office) report larger increases in the average premium per policy.
Automation: collected automatically on the daily refresh pipeline, with no hand entry.

## Source

U.S. Bureau of Labor Statistics — [https://data.bls.gov/timeseries/CUUR0000SEHD](https://data.bls.gov/timeseries/CUUR0000SEHD)

Data retrieved: 2026-10-29T17:24:17Z

## Machine-Readable Endpoints

- HTML page: https://americandefault.org/indicators/tenants-and-household-insurance-cpi/
- JSON: https://americandefault.org/api/indicators/tenants-and-household-insurance-cpi.json
- CSV: https://americandefault.org/api/downloads/tenants-and-household-insurance-cpi.csv
- BibTeX: https://americandefault.org/citations/tenants-and-household-insurance-cpi.bib
- RIS: https://americandefault.org/citations/tenants-and-household-insurance-cpi.ris

## Citation

**APA 7th**

    Kilburn, R. (2026). Tenants' and Household Insurance CPI [Data set]. American Default Research. https://americandefault.org/indicators/tenants-and-household-insurance-cpi/

**Chicago (author-date)**

    Kilburn, Ross. 2026. "Tenants' and Household Insurance CPI." American Default Research. https://americandefault.org/indicators/tenants-and-household-insurance-cpi/.

**MLA 9th**

    Kilburn, Ross. "Tenants' and Household Insurance CPI." American Default Research, 2026, americandefault.org/indicators/tenants-and-household-insurance-cpi/.

Use **American Default Research** as the institutional name in source lists, bibliographies, and press citations. **American Default** is the brand and URL form. **American Distress Index (ADI)** is the product name for the national composite score.