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Ofgem UK energy price cap rises 4% from £1,663 to £1,723 per year (typical direct-debit household) for Oct 1-Dec 31, 2026. Gas unit rate +8.7% to 7.97p/kWh. VAT removed from domestic electricity Oct 1-Mar 31, 2027. 22M households protected.
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Nationwide home insurance rates rose 47% from 2020 through 2025 per LendingTree's 2026 State of Home Insurance report (Sep 8, 2026). Hardest-hit states: Colorado +18.3%, Minnesota +17%, Iowa +14.7%. Top 2026 projected increases: California +16%, Nebraska +13%, New Mexico +11%, Georgia +10%.
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California home insurance rate hikes for fall 2026: Allstate approved +34% (Sep 5), State Farm requested +30%, FAIR Plan approved +29.1% effective Oct 15 affecting 675,000+ policyholders with $768B exposure.
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FHA mortgage rates September 12, 2026: 30-year FHA at 6.27% (+11bp post-CPI). Lowest agency option for first-time buyers - typically 50-75bp below conventional conforming. Down payments as low as 3.5%, MIP 0.55% annually.
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