Average home insurance premiums in the United Kingdom fell by 13% year-on-year in September, declining from £226 in 2024 to £197 in 2025, according to new data from Compare the Market.
The North East and East Midlands recorded the largest reductions, with premiums dropping by 15% in both regions. The North West, Scotland, and the West Midlands followed closely with decreases of 14%. Northern Ireland was the only region to buck the trend, seeing a 9% rise in home insurance costs.
Indeed Northern Ireland remained the most expensive region for home insurance at £482, followed by Yorkshire and the Humber at £328 and Greater London at £308. The most affordable premiums were found in the North East at £152, the East of England at £159, and the West Midlands at £169.
The decline in premiums comes as the Met Office forecasts a “wetter than average” autumn, with some parts of the country receiving nearly twice their usual rainfall in September. The outlook also predicts above-average rain and wind for the rest of the season, raising concerns about flooding in certain areas.
Industry experts are urging homeowners not to focus solely on cost savings but to ensure their policies provide adequate protection for the winter months.
“It’s encouraging to see home insurance premiums falling. However, while lower costs should be welcome news for homeowners, it’s important not to focus on price alone,” said Sam Wilson, an expert at Compare the Market. “With forecasts of unsettled weather ahead, households should check that their policies offer the right levels of cover for their needs.”
Flood cover is typically included as standard in most home insurance policies, but homeowners are advised to review their policy documents carefully. Common exclusions that could affect flood-related claims include alternative accommodation costs, damage to properties left unoccupied for long periods, and damage to fences, gates, or hedges.
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