Homeowners insurance availability and cost. Insurance is now a larger share of the housing payment than property tax in several states; unavailability makes homes unmortgageable.
What to watch: Premium growth; non-renewals; state insurer-of-last-resort exposure. It arrives annual, and the effect typically lasts years.
It sits in tier 2 — Directional: Moves the index for days or weeks. Scheduled data releases, policy decisions, global spillovers, and the prices of money and energy. This is the tier most professional attention is spent on.
Its neighbourhood
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Sectors it moves most
Also in Consumer and housing
- Retail sales
- Consumer confidence and sentiment
- Personal income, spending, and saving rate
- Consumer credit and delinquencies
- Housing starts and permits
- Existing and new home sales
- Home prices
- Mortgage rates and applications
- Household net worth and the wealth effect
- Household savings buffers
- The K-shaped consumer
- Homebuilder sentiment and pending home sales
- Market rent indices
- Auto sales (SAAR) and inventories
- Restaurant same-store sales and hotel RevPAR
- Card-spending panels
- Retail gasoline prices
- Residential electricity prices
- Childcare and tuition inflation
- Pet spending and vet prices