Consumer Intelligence’s latest home insurance price index shows that for the 12 months to the end of December 2025, quoted premiums for home insurance were down by 12.1% and by 1% for the final quarter of the year.

There were significant regional variances with properties in Wales seeing quoted prices fall by 15.8% during last year. The East Midlands and West Midlands both saw reductions of 13.2%.

Laura Vas, senior insight analyst at Consumer Intelligence, said: “In December, three out of four price comparison websites 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.

"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%.”