The latest info from Consumer Intelligence, as they track average Home premiums over the last year;
Average quoted prices for home insurance continue to fall as competition intensifies with providers cutting premiums and new entrants joining the market, according to the latest Consumer Intelligence Home Insurance Price Index, covering the 12 months to the end of December 2025.
Quoted premiums fell 12.1% over the course of 2025 and by 1.0% in the final three months of the year, showing milder deflation than the 4.8% recorded in the previous quarter. Across the whole market, the average Rank 1-5 new business quoted premium was £259 in December 2025, compared to £299 in December 2024.
Premiums have most commonly been quoted between £150 and £199, with 28% of quotes falling within that range. By the end of December 2025, 64% of consumers could source quotes for less than £200 compared with 54% at the end of December 2024
“In December, three out of four PCWs experienced their 2025 peak in the number of providers quoting, following the launch of new products. Throughout 2025, the number of providers regularly appearing in Rank 1-5 positions increased, indicating heightened competition,” said Laura Vas, Senior Insight Analyst at Consumer Intelligence.
“During Q4 2025, while premiums for Combined policies experienced minor deflation, the Buildings-Only market saw a deeper reduction in premiums at 2.2%. In contrast, the Contents-only sector remained stable with a slight increase of 0.1%. Noteworthy additions included Churchill Essentials and Urban Jungle Basic, while insurers such as Aviva and Safeguard Bronze reduced premiums on certain PCWs,” she adds.
HOUSE INSURANCE IS RISING LESS THAN HOUSE VALUES, IN REAL TERMS
Long-term view
An interesting note here, as the rise in premiums is way behind the rise in house values over the last decade or so;
Overall, quoted premiums have risen by 45.2% since Consumer Intelligence first started collecting data in February 2014.
Regional Trends
Over the 12 months to the end of December 2025, properties in Wales have seen the most significant deflation at 15.8%, followed by Eastern at 13.6% and East Midlands and West Midlands both at 13.2%.
In the final three months of 2025, six of the 11 regions saw deflation, most notably London and Scotland at 3.3% and 3.2% respectively.
All regions saw annual decreases, with nine out of 11 experiencing double digit drops. The North East saw the only quarterly inflation at 1.0%. Properties in London continue to have the highest average quoted Rank 1-5 premiums at £399, while the North East sees the lowest at £193.
Age differences
Over the year to the end of December 2025, quoted premiums for under-50s households have fallen 11.8%, similar to a 12.3% drop for the over-50s.
Over the final quarter of 2025, quoted premiums for the under-50s fell 0.7% compared with 1.4% for the over-50s. Since Consumer Intelligence started tracking quoted prices in 2014, they have increased by 53.9% for the over-50s and 38.7% for the under-50s.
Property age
Quoted premiums for properties of all ages have fallen over the 12 months to the end of December 2025. Homes built between 1895-1910 saw the biggest decrease at 16.2%, while older properties built pre-1895 experienced the smallest reduction at 7.6%. Post-millennium homes saw the strongest quarterly deflation at 4.7%.
Older properties built prior to 1900 continue to attract the highest Rank 1-5 quoted premiums at £497, whereas homes built between 1940-1955 receive the lowest average quotes at £214.
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