Further fall in home premiums in August
The latest General Insurance Price Index from Pearson Ham Group has shown the average top-five premiums for home insurance fell in August 2025, extending the downward run seen through the year.
Combined buildings and contents premiums fell by 2% versus July, taking them to 11.7% below the level of a year ago.
Looking at just the progress in 2025 the drop has been 9.9%.
The firm assessed the median top-five home premium at £196 in August, the first time it has dropped below £200 in 18 months.
The rate of the latest monthly decline differed across the UK. The West Midlands had the steepest reduction at 2.5%, followed by Yorkshire and the Humber at 2.4% and the North West at 2.3%.
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