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UK HNW Home Insurance Market 2025

Publisher GlobalData
Published Jan 22, 2026
Length 32 Pages
SKU # GBDT20874287

Description

UK HNW Home Insurance Market 2025

Summary

This report provides an overview and analysis of the UK high-net-worth (HNW) home insurance market. It explores market performance, growth drivers, and emerging challenges shaping the segment. The report examines key market metrics and identifies the key success factors insurers must adopt to remain competitive. It also discusses the growing importance of balancing digital efficiency with the personal touch demanded by affluent clients.The report concludes with forecasts for both the HNW and MNW home insurance markets through 2025, outlining growth expectations and consumer behavior shifts.

The UK high-net-worth (HNW) and mid-net-worth (MNW) home insurance market has seen significant expansion recently; driven by double-digit premium inflation, rising rebuild costs, and an increasing number of wealthy households. GlobalData estimates the HNW home insurance market grew at a compound annual growth rate (CAGR) of 9.6% from 2021 to 2025, reaching GBP861 million in 2025, with the number of HNW individuals (HNWIs) expected to increase by 7.5% to 474,000 in 2025. Meanwhile, the MNW home insurance market is expected to have grown at a CAGR of 6.0% from 2021 to 2025, reaching GBP426.6 million in 2025.

Scope
  • The number of HNW individuals is expected to have increased by 7.5% in 2025, reaching 474,000.
  • Changes in regulation and tax is making the HNW home insurance market less certain.
  • Underinsurance remains a systematic issue in HNW home insurance.
  • The number of UK HNW individuals will rise at a CAGR of 2.8% from 2025 to 2029.
Reasons to Buy
  • Understand the current and forecast size and growth of the UK HNW home insurance market.
  • Gain insight into emerging HNW market segments and the impact of changing HNW expectations on their insurance relationships.
  • Understand the major players and shifting competitor dynamics in the UK HNW home insurance sector.
  • Learn what forces will affect the future shape of the UK HNW home insurance market.

Table of Contents

32 Pages
1 Executive Summary
1.1 Market overview
1.2 Key findings
1.3 Critical success factors
2 The UK HNW and MNW Home Insurance Market
2.1 Introduction
2.2 What classifies an individual as MNW or HNW?
2.3 Strong growth in the HNW home insurance market
2.4 Regulatory and tax landscape
2.5 HNW home claims costs remain elevated even as input inflation cools
2.6 Underinsurance has become systemic, despite easing input inflation
3 Distribution and Targeting HNW Customers
3.1 A diversifying HNW client base creates new demands
3.2 Distribution remains relationship led, but is evolving
3.3 Evolving Expectations of HNW Clients for UK Home Insurance
4 Competitor Dynamics
4.1 Overview of some of the leading players
4.2 New entrants and insurtech
5 The Future of the Market
5.1 UK HNW home insurance market growth is forecast to stabilize through to 2026
5.2 Emerging risk categories and innovations
6 Appendix
6.1 Abbreviations and acronyms
6.2 Methodology
6.3 Secondary sources
6.4 Further reading
GlobalData, UK Household Insurance: Market Dynamics and Opportunities 2024, January 2025
7 About GlobalData
8 Contact Us
List of Tables
Table 1: UK MNW and HNW insurance parameters
List of Figures
Figure 1: There has been strong growth in UK HNW home insurance GWP
Figure 2: The number of HNWI in the UK continues growing in 2025
Figure 3: The number of UK HNW individuals will rise at a CAGR of 2.8% over the forecast period
Figure 4: The UK HNW Home Insurance Market will continue growing

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