"Insurance Is Eating Your Budget" — + The 2027 Buyer's Playbook
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"Insurance Is Eating Your Budget" — + The 2027 Buyer's Playbook
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A pre-approved buyer, a great house, and then the insurance quote came back — and the payment they'd planned their life around went up a couple hundred bucks.
That's the story of 2026 in both my states. Insurance is no longer a closing-day formality. It's a qualification issue, a negotiation issue, and a deal killer.
This week: Georgia premiums up 8.6% in 2025 and 39.7% since 2021; Texas up 60% since 2019 against 30% nationally; why you need a real quote in the first 48 hours under contract; rates holding at 6.67% (the whole year-over-year increase is $24 a month on a $400K loan); 37 straight months of price gains and what "4.6 months of supply" actually buys you; why the Fed's Sept 15–16 meeting won't move your mortgage; builders sitting on 9.3 months of inventory with 63% offering incentives — and the three moves that get you a piece of it. Plus the full 2027 buyer's playbook.
I'm Mickey Lawrence, licensed Realtor in Georgia and Texas. 770-373-4944 · settleinatl.com · @listwithmick
Educational content only. Not financial, tax, or insurance advice. Equal Housing Opportunity.