The average cost of home insurance in September 2025 fell by 13% compared with the same month last year, dropping from £226 in 2024 to £197, according to the latest data from Compare the Market.
The sharpest regional declines were recorded in the North East and East Midlands, both down 15%, followed by the North West, Scotland and the West Midlands, each down 14%. The only area to see an increase was Northern Ireland, where average premiums rose 9%.
Northern Ireland also remained the most expensive region for home insurance, with an average premium of £482. Yorkshire and the Humber (£328) and Greater London (£308) were next highest, while the most affordable regions were the North East (£152), East of England (£159) and West Midlands (£169).
Compare the Market said the fall in premiums is likely to be welcomed by homeowners, but households should continue to compare deals and ensure their policies provide suitable cover, particularly as the UK faces unsettled weather conditions heading into winter.
The Met Office has forecast above-average rainfall and wind for the rest of autumn, with an increased risk of flooding in some areas.
Sam Wilson, expert at Compare the Market, said: “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.”
