Average UK home insurance premiums fell slightly in the most recent quarterly reading, the first drop in two years, as claims inflation for escape-of-water and storm damage showed signs of cooling. Buildings cover, which had risen fastest, led the easing.
Analysts caution that the move is a pause rather than a reversal: rebuild costs remain elevated and climate-driven claims volatility is structural. For households, the practical effect is small, but the direction of travel matters for renewals this year.
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