How Inflation Is Quietly Eating Your Homeowners Insurance Deductible

Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation · Jul 21, 2026 · 6m · transcript

In Episode 127 of Inflation and Your Money with Fexingo, Lucas and Luna dig into an overlooked inflation casualty: the homeowners insurance deductible. As construction costs have soared over the past five years, the fixed-dollar deductible on a typical policy has shrunk in real terms, leaving policyholders with a much larger out-of-pocket burden when they file a claim. Lucas explains how a $1,000 deductible in 2021 is now effectively worth around $850 in 2021 dollars, and why most homeowners don't realize their coverage has eroded until it's too late. The conversation touches on how…