The latest premium tracking data from Consumer Intelligence;

Average quoted prices for home insurance are continuing to fall as competition across the market rises, according to the latest Consumer Intelligence Home Insurance Price Index. Quoted premiums fell 7.9% in the past 12 months and by 3.9% in the past three months as choice expanded for consumers with 75% of the best prices in the market coming from nine providers in June this year compared with six providers a year ago.

Premiums have most commonly been quoted between £150 and £199, with 29% of quotes falling within that range, according to Consumer Intelligence’s data. In June this year 62.5% of consumers could source quotes for less than £200 compared with 56% a year ago.

“Along with combined policies, some firms have been reducing prices significantly in the contents-only market. However, their buildings-only premiums did not move as much. This indicates buildings claims may still be a challenge for insurers, “said Laura Vas, Senior Insight Analyst at Consumer Intelligence.

“The market saw its first new product on price comparison websites since January, with Sheilas’ Wheels Essentials launching in June. There is a greater array of choice for consumers – 75% of the best prices in the market came from nine brands in June 2025, up from six in the previous year,” she adds.

Long-term view

Overall, quoted premiums have risen by 54.2% since Consumer Intelligence first started collecting data in February 2014.

Regional Trends

The biggest fall in quoted premiums in the past year was in the North East which recorded a 10.5% drop narrowly ahead of Wales and the West Midlands with 10.4% decreases.

All regions recorded falls in quoted premiums over 12 months and three months with the biggest drop over the past three months in the Eastern region at 4.6%. The South West only saw a fall of 2.0% in the past 12 months but recorded a 3.5% decrease over three months.

Age differences

Quoted premiums for under-50s households have fallen 8.4% in the past 12 months slightly ahead of a 7.3% drop for the over-50s.

The over-50s have seen bigger drops in quoted premiums over the past three months at 4.3% compared with 3.4% for the under-50s.

Property age

Quoted premiums for properties of all ages have fallen over the past year with the biggest decreases at 9.5% for homes built between 1925 and 1940 and for those built between 1985 and 2000.

Prices have fallen for properties of all ages over the past three months as well dropping the most for properties built between 1850 and 1895 at 4.6%.

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