Home premiums flatten in Q4 – Pearson Ham
Combined home buildings and contents premiums slipped marginally in the fourth quarter of 2025 but the nearly flat results signalled a significant shift from the sharper cuts earlier in the year, according to the latest research by Pearson Ham.
The 0.8% average decline in the last quarter of the year was far less than the 3.8% fall in Q2 and 4.9% drop in Q3.
The consultants noted however that the latest downward movement marked the fifth consecutive quarter of home insurance deflation.
RelatedDeloitte forecasts home insurers will slide back to losses in 2026 after profits in 2025UK home insurers are set to make an underwriting profit in 2025, with a net combined ratio of 98%, but will swing back to losses next year with an NCR of 102.1%
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