Average home insurance premiums dropped by 13% year-on-year in September, falling from £226 in 2024 to £197 in 2025.
The largest decreases were seen in the North East and East Midlands, while Northern Ireland was the only region where premiums increased.
With the Met Office forecasting a “wetter than average” autumn, homeowners could benefit from checking their home insurance policies to ensure they have the right level of cover – particularly those living in areas at higher risk of flooding.
3rd November 2025 – The average cost of home insurance in September 2025 fell by 13% year-on-year from £226 in 2024 to £197 this year, according to the latest data from Compare the Market.
The most significant decreases in home premiums were seen in the North East (15%) and East Midlands (15%), with the North West (14%), Scotland (14%), and the West Midlands (14%) also seeing significant declines. The only region where premiums did not decrease was Northern Ireland, where the cost of home insurance increased slightly by 9%.
The highest home insurance premiums in September 2025 were found in Northern Ireland (£482), Yorkshire and the Humber (£328), and Greater London (£308), which were also the most expensive regions in 2024. The most affordable regions for home insurance this year were the North East (£152), the East of England (£159), and the West Midlands (£169).
Average home insurance premium by region
Region | September 2024 average premium | September 2025 average premium |
|---|---|---|
East Anglia | £246 | £219 |
East Midlands | £205 | £175 |
East of England | £184 | £159 |
Greater London | £355 | £308 |
London | £245 | £233 |
North East | £179 | £152 |
North West | £201 | £172 |
Northern Ireland | £445 | £482 |
Scotland | £236 | £202 |
South East | £255 | £223 |
South West | £213 | £186 |
Wales | £210 | £185 |
Westmidlands | £197 | £169 |
Yorkshire and the Humber | £380 | £328 |
While the broad decline in home insurance premiums is likely to be welcomed by homeowners, it is important for households to compare deals as this could save them even more on their premium, as well as ensure they have the right protection in place as the UK enters the winter season. Parts of the country received nearly double their average rainfall in September, with the Met Office forecasting above-average rain and wind for the rest of the autumn and an increased risk of flooding in some areas.
Fortunately, flood cover is typically included as standard in most home insurance policies, but homeowners could benefit from checking their policy wording or speaking to their insurance provider to ensure they have the right level of cover for their circumstances.
The cost of alternative accommodation, flood damage to a property left unoccupied for a certain period, and damage to fences, gates, or hedges are some of the exclusions that could be worth looking out for when reviewing your policy documents.
Sam Wilson, expert at Compare the Market, commented:
“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. With forecasts of unsettled weather ahead, households should check that their policies offer the right levels of cover for their needs. It's also a good idea to shop around and compare deals as they may get a better price on their premium. Taking a few minutes to review your cover and comparing them against different policies online could make a difference.”
