How much is home insurance: Premium Benchmark Series
The median published figure in the Premium Benchmark Series is 12 percent across 5 sources' own pages (range 7.60 to 14.41 percent), read 15 September 2026.
- Median published figure
- 12 %
- Range
- 7.6 to 14.41 %
- Sources with a figure
- 5
- Sources read that publish one
- 5 of 16
5 of the 16 named sources read in full publish a figure; 11 publish none, read 15 September 2026.
Every figure, with its source
One row per source: the figure the source's own page publishes, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Read |
|---|---|---|
| NAIC, 2023 Auto Insurance Database average premium supplement | 14.41 % | 2026-09-12 |
| Triple-I, auto insurance facts and statistics | 14 % | 2026-09-12 |
| FCA, general insurance value measures data 2025 | 12 % | 2026-09-12 |
| NAIC, homeowners insurance report 2022 | 10.5 % | 2026-09-12 |
| Triple-I, homeowners and renters insurance facts | 7.6 % | 2026-09-12 |
The sentence each figure was read from (5)
- NAIC, 2023 Auto Insurance Database average premium supplement, read 2026-09-12:
• Combined average premiums increased by 14.41% in 2023.
- Triple-I, auto insurance facts and statistics, read 2026-09-12:
The countrywide average auto insurance expenditure increased 14.0 percent to $1,282 in 2023 from $1,127 in 2022, according to the National Association of Insurance Commissioners.
- FCA, general insurance value measures data 2025, read 2026-09-12:
Premiums increased by 12% for these products but the amount paid out in claims increased by 47%.
- NAIC, homeowners insurance report 2022, read 2026-09-12:
The nationwide average premium for dwelling fire and homeowners owner-occupied policies increased by 10.5% between 2021 and 2022.
- Triple-I, homeowners and renters insurance facts, read 2026-09-12:
The average homeowners insurance premium rose by 7.6 percent in 2021 from 2020, according to a December 2023 study by the National Association of Insurance Commissioners, the latest data available.
Read in full, publishes no figure
11 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- NAIC, national analysis of homeowners insurance market trends, read 2026-09-12: every candidate on the page was refused
- NAIC, 2022/2023 Auto Insurance Database Report, read 2026-09-12: every candidate on the page was refused
- FCA, general insurance value measures data 2024, read 2026-09-12: every candidate on the page was refused
- data.gov.uk, FCA general insurance value measures dataset, read 2026-09-12: read in full and no accepted figure on the page
- Department of Health, Disability and Ageing, 2026 private health insurance premiums, read 2026-09-12: every candidate on the page was refused
- APRA, quarterly general insurance performance statistics, read 2026-09-12: read in full and no accepted figure on the page
- APRA, quarterly insurance statistics, March 2026, read 2026-09-12: read in full and no accepted figure on the page
- Statistics Canada, impacts of rising costs and claims on personal automobile insurance, read 2026-09-12: every candidate on the page was refused
- California Department of Insurance, automobile series guides, read 2026-09-12: read in full and no accepted figure on the page
- Triple-I, renters insurance facts, read 2026-09-12: every candidate on the page was refused
- content.naic.org, read 2026-09-12: every candidate on the page was refused
Methodology
Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).
5 of the 16 named sources that could be read published a usable figure; 11 published none and are recorded as not published, never filled in; 2 could not be read (blocked, dead or unreachable) and count nowhere.
The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 87 candidate sentence(s) were refused by a reviewer with the reason recorded.
Derivation as chartered: one series per market joining the official average premium to the published prices in the index: the ratio of a named insurer's advertised 'from' price to the authority's average for the same cover and place, per year, which is the number that says whether a headline price is a real discount or a teaser.
Nobody publishes that ratio because the two halves sit in different institutions - NAIC and the FCA publish the average, the insurer publishes the shelf price, and neither cites the other.
87 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (18)
- NAIC, national analysis of homeowners insurance market trends (the publisher's own terms; quoted for reporting and comment)
- NAIC, 2023 Auto Insurance Database average premium supplement (the publisher's own terms; quoted for reporting and comment)
- NAIC, 2022/2023 Auto Insurance Database Report (the publisher's own terms; quoted for reporting and comment)
- NAIC, homeowners insurance report 2022 (the publisher's own terms; quoted for reporting and comment)
- FCA, general insurance value measures data 2024 (the publisher's own terms; quoted for reporting and comment)
- FCA, general insurance value measures data 2025 (the publisher's own terms; quoted for reporting and comment)
- data.gov.uk, FCA general insurance value measures dataset (the publisher's own terms; quoted for reporting and comment)
- Department of Health, Disability and Ageing, 2026 private health insurance premiums (the publisher's own terms; quoted for reporting and comment)
- APRA, quarterly general insurance performance statistics (the publisher's own terms; quoted for reporting and comment)
- APRA, quarterly insurance statistics, March 2026 (the publisher's own terms; quoted for reporting and comment)
- Statistics Canada, impacts of rising costs and claims on personal automobile insurance (the publisher's own terms; quoted for reporting and comment)
- California Department of Insurance, automobile series guides (the publisher's own terms; quoted for reporting and comment)
- Triple-I, auto insurance facts and statistics (the publisher's own terms; quoted for reporting and comment)
- Triple-I, homeowners and renters insurance facts (the publisher's own terms; quoted for reporting and comment)
- Triple-I, renters insurance facts (the publisher's own terms; quoted for reporting and comment)
- ABI, property insurance premium tracker (news release) (the publisher's own terms; quoted for reporting and comment)
- FSRA Ontario, auto insurance rate filings (the publisher's own terms; quoted for reporting and comment)
- content.naic.org (the publisher's own terms; quoted for reporting and comment)
Cite or embed this figure
Cite or embed this figure
The median published figure in the Premium Benchmark Series is 12 percent across 5 sources' own pages (range 7.60 to 14.41 percent), read 15 September 2026.
5 of the 16 named sources read in full publish a figure; 11 publish none, read 15 September 2026.
Cite as: "Issafu Premium Benchmark Series", updated 2026-09-15, https://issafu.com/datasets/premium-benchmark-series/.
Download the CSV (5 rows, computed 2026-09-15)