Premium per policy in 2022, the United States (median ZIP code)
$1,551
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $2,066.
| Change from 2018 to 2022, after inflation | +7.3% |
| Premium per policy in 2018 | $1,445 |
| Premium per policy in 2022 | $1,551 |
| 2022 premium carried to September 2026 (BLS index) | $2,066 |
| Policies not renewed by the insurer, 2022 | 0.85% |
| Claims paid per 100 policies, yearly average | 4.5 |
| Average claim paid, 2018 to 2022 (adjusted) | $15,105 |
| Cancelled for nonpayment, 2022 | 1.47% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.