Press & data requests — Dreamy Leads Research
Last updated: August 23, 2026Who we are
Dreamy Leads Research publishes original, data-driven consumer research on four of the largest household financial decisions: home and auto insurance, mortgages, debt relief, and residential solar. Our studies are built from public primary sources — state insurance regulators, the CFPB, the New York Fed, HUD, Freddie Mac, the U.S. Census Bureau, the EIA, and the CPUC among them — and are attributed to the organization rather than to individual bylines. The full sourcing rules are in our methodology and editorial standards.
Dreamy Leads Research is owned and operated by Healthlite, LLC, 15257 Amberly Dr, Ste 407, Tampa, FL 33647. More about the organization is on our about page.
Press contact and response time
All press, interview, and data requests go to dreamy@dreamyleads.com. Use the subject line “Press” for interview or comment requests and “Data” for table, CSV, or chart requests so they route correctly.
- Response time: within one business day (U.S. Eastern). If you are on deadline, say so in the subject line and we will prioritize it.
- What we can provide: a plain-English summary of any finding, the underlying table behind a figure, a chart sized for web or print, and a note on what the data can and cannot support.
- What we do not do: we do not give individualized financial, legal, tax, or insurance advice, and we do not comment on specific consumers’ situations.
Data available on request
Every study below is backed by tables that go deeper than what is printed on the page. On request we can supply:
- County and metro tables — for example, Florida home insurance premiums by county, minimum qualifying income by metro, or solar payback by state and system size.
- CSV exports of any published table, with the source and vintage of each column noted.
- Charts — static PNG or SVG versions of any figure on a study page, or a custom cut of the same data.
- Embeds — each study carries a “Cite or embed this research” block with ready-made citation text.
Requests for a custom analysis (a state or metro we have not published, a different driver or household profile) are welcome; we will tell you up front whether the source data supports it and how long it will take.
Citation terms
Our research is free to cite, quote, and reproduce in editorial coverage under two conditions:
- Attribute the finding to Dreamy Leads Research by name.
- Link to the study page the figure came from — use the exact URLs listed below. They are our advertising-free reference versions, kept for exactly this purpose: no forms, no sponsored links, just the data, its methodology and its sources.
You may reproduce our charts and tables unaltered with the same attribution. If you adapt the data into your own visual, please note the source as “Data: Dreamy Leads Research” with a link. Figures change when the underlying sources update — every study shows its Updated date, and we are happy to confirm a figure is current before you publish.
Studies available for citation
Each entry gives one quotable finding taken directly from the study, the date shown on the page, and the primary sources the study names. Browse the full set on the research hub.
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Insurance
Auto Insurance Quote Spread by City 2026
“Miami’s top-10 carrier range runs from $2,400 to $7,800/yr for the same driver profile — a $5,400 gap.”
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Insurance
The True Cost of Home Insurance in Florida: 2026 Data Study
“Florida homeowners paid an average of $4,231 per year for home insurance in 2026 on a standardized $300,000-dwelling policy — more than double the U.S. national average of $1,915.”
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Insurance
Florida Home Insurance Non-Renewal Tracker 2026
“Fourteen private carriers have exited, become insolvent, or materially restricted new homeowners business in Florida since January 2022 — affecting an estimated 1.1 million policyholders.”
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Mortgage
Mortgage Affordability in 2026: How Much Home Can You Buy in Each Major U.S. Metro
“A U.S. household needs about $114,900 in annual income to comfortably afford the $420,000 median-priced home with 20% down at the 6.65% PMMS rate (week of 2026-08-20).”
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Mortgage
Mortgage Affordability Tracker 2026
“Buying the median U.S. home requires approximately $115,000–$135,000 in annual gross income at a 7.1% rate with 10% down — more than double the $52,000 needed at 3.0% rates in 2020–2021.”
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Debt
Household Debt in 2026: State-by-State Settlement Outcomes
“U.S. credit-card delinquency (90+ days past due) climbed to 10.7% in Q4 2025, the highest since 2011.”
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Debt
Debt Settlement Firm Outcomes 2026
“Debt settlement can reduce what you owe by 40–60% of the original balance — but the industry has wide variation in outcomes, fees, and regulatory compliance.”
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Solar
Solar Payback Periods Across the South: 6-State Data Comparison
“Residential solar payback across six Southern states ranges from 8.3 years in Arizona to 17.6 years in California for a 2026 cash purchase, averaging 11.9 years.”
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Solar
NEM 3.0 Solar Economics Tracker — California 2026
“A typical 8–10 kW system without battery storage now pays back in 10–13 years under NEM 3.0, versus about 6 years under NEM 2.0.”
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All four verticals
Financial Data Explorer: Insurance, Mortgage, Solar, and Debt Data by State and City (2026)
“Brings premiums, home prices, solar payback and household-debt data into one place for six states in depth, 56 metros, and solar coverage across 22 states.”
Free tools you can link to
These interactive tools are free, require no sign-up, and carry no advertising. Journalists and educators are welcome to link to them directly or embed the state chart below.
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Debt
Debt Payoff Calculator 2026
Model payoff dates and total interest for avalanche vs snowball.
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Insurance
Insurance Premium Reality Check 2026
Compare a reader’s premium against state and metro averages.
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Mortgage
What Income Buys a Home in Your Metro? 2026
Income needed for the median home in 25 metros, at the current PMMS rate.
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Solar
Solar Payback Calculator 2026
Payback period by state after the §25D expiry for 2026 cash purchases.
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Debt
Statute of Limitations on Debt by State 2026
Time-barred-debt limits for all 50 states, with the statute cited.
Embed our state chart
Any state-level metric we publish can be embedded as a ranked bar chart on your own page, free, with attribution. Four metrics cover all 50 states and DC, taken from the NAIC 2022/2023 Auto Insurance Database Report — average auto insurance expenditure, combined average premium, vehicle thefts per 1,000 registered vehicles, and the 2019–2023 change in expenditure. The remaining metrics come from the financial data explorer. Copy-paste snippets and a live preview are on the explorer page under “Embed this chart”; the chart credits and links the study that carries the figure, and you can highlight any state with &highlight=FL.
Coverage
- Interview with Dreamy Leads Research — Connectively blog, June 2026.
How we work
Before citing us, you may want to read how the research is produced and checked:
- About Dreamy Leads Research — who we are and how the service is funded.
- Methodology — data sources by vertical, ranking inputs, and the refresh cadence.
- Editorial standards — sourcing, review, corrections, and disclosure rules.
- Research hub — every published study and tracker.
Corrections: if you believe a published figure is wrong, email dreamy@dreamyleads.com with the subject line “Correction” and the URL. We review every report and note material corrections on the study page.