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住宅保険の世界市場：補償範囲別、エンドユーザー別 - 機会分析と産業予測（2024年～2033年）

Home Insurance Market By Coverage (Comprehensive Coverage, Dwelling Coverage, Content Coverage, Other Optional Coverages), By End User (Landlords, Tenants): Global Opportunity Analysis and Industry Forecast, 2024-2033

出版日
ページ情報
英文 350 Pages
納期
2～3営業日
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=144.06円
住宅保険の世界市場：補償範囲別、エンドユーザー別 - 機会分析と産業予測（2024年～2033年）
出版日: 2024年12月01日
発行: Allied Market Research
ページ情報: 英文 350 Pages
納期: 2～3営業日
GIIご利用のメリット
  • 全表示
  • 概要
  • 目次
概要

住宅保険市場は、2023年には2,719億米ドルと評価され、2023年から2033年にかけてCAGR 7.6%で成長し、2033年には5,760億米ドルに達すると予測されています。

住宅保険は、自然災害、盗難、火災、その他の危険による損害など、さまざまなリスクや財産への損害から住宅所有者を保護するものです。盗難、自然災害、事故、訴訟などの予期せぬ出来事から家屋、個人の所有物、負債を守り、経済的な安全を確保するために不可欠な金融商品です。自然災害の頻度が高まるにつれ、潜在的なリスクに対する意識が高まり、洪水、ハリケーン、山火事などの災害による損失を軽減するために、保険はこれまで以上に重要なものとなっています。住宅保険は一般に、火災、盗難、特定の天候関連損害などの一般的なリスクをカバーする基本保険と、洪水、地震などのイベントにおいて、より高額な個人所有物に対する追加補償を提供する包括保険の2種類に大別されます。

Home Insurance Market-IMG1

さらに、住宅保険の売上が伸びている背景には、住宅所有者や賃貸契約者の間で保険に対する意識や必要性が高まっている複合的な要因があります。主な要因の一つは、多くの地域、特に都市部において不動産価格が上昇していることです。住宅所有者は、不動産への投資が増えるにつれて、潜在的なリスクに対して適切な保護を提供する包括的な保険契約を通じて資産を保護することの重要性を認識するようになった。このため、住宅所有者は損害や損失が発生した場合に経済的に回復できるようにしようとするため、住宅保険に対する需要が急増しています。

気候変動、不動産価値の上昇、スマートホーム技術の進歩などの主な要因が保険料率に影響を与え、住宅保険市場において、よりカスタマイズされた、技術的に強化された補償オプションへの需要を促進しています。様々な気候変動に起因する異常気象の増加は、特に自然災害に対する包括的な補償の必要性に対する住宅所有者の意識の高まりにつながっています。例えば、米国最大の住宅保険会社であるState Farm MutualとAllstate Insurance Companyは、山火事、ハリケーン、洪水などの異常気象による保険金請求の増加を受けて、2024年に大幅な保険料値上げを実施しました。両社ともここ数年、大幅な保険引受損失を計上しており、財務の安定を維持するために価格設定を調整する必要性が生じています。また、住宅保険は住宅所有者の投資を確保する上で極めて重要であり、物的損害や賠償請求による経済的損失に備えて安全を提供するものです。都市化の進展、不動産価値の上昇、規制の枠組みの進化により、住宅保険は必要不可欠な金融商品となっており、世界市場の着実な成長に寄与しています。

セグメントのレビュー

住宅保険市場は、補償範囲、エンドユーザー、地域によって区分されます。補償範囲別では、包括補償、住居補償、内容補償、その他オプション補償に区分されます。エンドユーザー別では、市場は家主と借主に区分されます。地域別では、北米、欧州、アジア太平洋、LAMEAで分析しています。

主な調査結果

補償内容別では、2023年の住宅保険市場シェアは包括補償セグメントが最大でした。

エンドユーザー別では、家主セグメントが2023年の住宅保険市場シェアで最大を占めました。

地域別では、北米が2023年に最も高い収益を上げました。

競合情勢：

住宅保険市場で事業を展開している市場企業は、ALLIANZ、Zurich、ADMIRAL、Allstate Insurance Company、Liberty Mutual Insurance Company、Chubb、AXA、PICC、State Farm Mutual Automobile Insurance Company、American International Group, Inc.です。これらの主要企業は、事業拡大、新商品発売、提携など様々な主要開発戦略を採用し、世界の住宅保険市場の成長を後押ししています。

本レポートで可能なカスタマイズ

  • エンドユーザーの嗜好とペインポイント
  • 地域別の業界ライフサイクル評価
  • 製品ベンチマーク／製品仕様と用途
  • 製品ライフサイクル
  • セナリオ分析と成長動向比較
  • 技術動向分析
  • 市場参入戦略
  • 製品/セグメント別の市場セグメンテーション
  • 主要企業の新製品開発/製品マトリックス
  • ペインポイント分析
  • 規制ガイドライン
  • 戦略的提言
  • クライアントの関心に特化した追加企業プロファイル
  • 国別または地域別の追加分析 - 市場規模と予測
  • ブランドシェア分析
  • クリスクロス・セグメント分析 - 市場規模と予測
  • 企業プロファイルの拡張リスト
  • 過去の市場データ
  • 世界/地域/国別の企業シェア分析
  • SWOT分析

目次

第1章 イントロダクション

第2章 エグゼクティブサマリー

第3章 市場概要

  • 市場の定義と範囲
  • 主な調査結果
    • 影響要因
    • 主な投資機会
  • ポーターのファイブフォース分析
  • 市場力学
    • 促進要因
    • 抑制要因
    • 機会

第4章 住宅保険市場：補償範囲別

  • 概要
  • 総合補償
  • 住居補償
  • 内容補償
  • その他のオプション補償

第5章 住宅保険市場：エンドユーザー別

  • 概要
  • 家主
  • テナント

第6章 住宅保険市場：地域別

  • 概要
  • 北米
    • 米国
    • カナダ
  • 欧州
    • 英国
    • ドイツ
    • フランス
    • イタリア
    • スペイン
    • その他
  • アジア太平洋
    • 中国
    • 日本
    • インド
    • オーストラリア
    • 韓国
    • その他
  • ラテンアメリカ
    • ラテンアメリカ
    • 中東
    • アフリカ

第7章 競合情勢

  • イントロダクション
  • 主要成功戦略
  • 主要10社の製品マッピング
  • 競合ダッシュボード
  • 競合ヒートマップ
  • 主要企業のポジショニング（2023年）

第8章 企業プロファイル

  • Allianz
  • Zurich
  • Admiral
  • Allstate Insurance Company
  • Liberty Mutual Insurance Company
  • Chubb
  • PICC
  • State Farm Mutual Automobile Insurance Company
  • AXA
  • American International Group, Inc.
目次
Product Code: A06947

The home insurance market was valued at $271.9 billion in 2023 and is projected to reach $576 billion by 2033, growing at a CAGR of 7.6% from 2023 to 2033. Home insurance offers protection to homeowners against various risks and damages to their property, including damage from natural disasters, theft, fire, and other hazards. It is an essential financial product that safeguards homes, personal belongings, and liabilities from unexpected events such as theft, natural disasters, accidents, or lawsuits, ensuring financial security. The growing frequency of natural disasters has increased awareness of the potential risks, making insurance more crucial than ever to help mitigate losses from events such as floods, hurricanes, and wildfires. Home insurance is generally categorized into two main types, namely, basic policies, which cover common risks such as fire, theft, and certain weather-related damages, and comprehensive policies, which provide additional coverage for higher-value personal belongings in events including flooding, earthquakes, and others.

Home Insurance Market - IMG1

Moreover, the growing sales of home insurance can be attributed to a combination of factors that enhance the awareness and need for coverage among homeowners and renters alike. One of the primary drivers is the increasing property values across many regions, particularly in urban areas, where real estate prices have increased as homeowners invest more in their properties, they recognize the importance of safeguarding their assets through comprehensive insurance policies that offer adequate protection against potential risks. This has led to a surge in demand for dwelling coverage, as homeowners seek to ensure they can recover financially in the event of damage or loss.

Key factors such as climate change, rise in property values, and advancements in smart home technologies are influencing premium rates, and driving demand for more customized and technology-enhanced coverage options in the home insurance market. Increase in extreme weather conditions owing to varying climate changes leads to rise in awareness of the need for comprehensive coverage, especially for natural disasters among homeowners. For instance, State Farm Mutual and Allstate Insurance Company, two of the largest home insurance providers in the U.S., have both implemented significant premium increases in 2024 due to rise in claims from extreme weather events such as wildfires, hurricanes, and flooding. Both companies reported substantial underwriting losses in recent years, prompting the need to adjust pricing to maintain financial stability. Also, home insurance is crucial in securing homeowners' investments, which provides safety in case of financial loss due to property damage or liability claims. Rise in urbanization, rise in property values, and evolving regulatory frameworks have made home insurance a necessary financial product, contributing to the steady growth of the market globally.

Segment Review:

The home insurance market is segmented on the basis of coverage, end user, and region. By coverage, the market is segmented into comprehensive coverage, dwelling coverage, content coverage, and other optional coverages. By end user, the market is segmented into landlords and tenants. Region-wise, it is analysed across North America, Europe, Asia-Pacific, and LAMEA.

Key Findings:

By coverage, the comprehensive coverage segment accounted for the largest home insurance market share in 2023.

By end user, the landlords segment accounted for the largest home insurance market share in 2023.

Region-wise, North America generated the highest revenue in 2023.

Competitive Landscape:

The market players operating in the home insurance market are ALLIANZ, Zurich, ADMIRAL, Allstate Insurance Company, Liberty Mutual Insurance Company, Chubb, AXA, PICC, State Farm Mutual Automobile Insurance Company, and American International Group, Inc. These major players have adopted various key development strategies such as business expansion, new product launches, and partnerships, which help to drive the growth of the home insurance market globally.

Additional benefits you will get with this purchase are:

  • Quarterly Update and* (only available with a corporate license, on listed price)
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  • Free Upcoming Version on the Purchase of Five and Enterprise User License.
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Possible Customization with this report (with additional cost and timeline, please talk to the sales executive to know more)

  • End user preferences and pain points
  • Industry life cycle assessment, by region
  • Product Benchmarking / Product specification and applications
  • Product Life Cycles
  • Senario Analysis & Growth Trend Comparision
  • Technology Trend Analysis
  • Go To Market Strategy
  • Market share analysis of players by products/segments
  • New Product Development/ Product Matrix of Key Players
  • Pain Point Analysis
  • Regulatory Guidelines
  • Strategic Recommedations
  • Additional company profiles with specific to client's interest
  • Additional country or region analysis- market size and forecast
  • Brands Share Analysis
  • Criss-cross segment analysis- market size and forecast
  • Expanded list for Company Profiles
  • Historic market data
  • Market share analysis of players at global/region/country level
  • SWOT Analysis

Key Market Segments

By Coverage

  • Comprehensive Coverage
  • Dwelling Coverage
  • Content Coverage
  • Other Optional Coverages

By End User

  • Landlords
  • Tenants

By Region

  • North America
    • U.S.
    • Canada
  • Europe
    • UK
    • Germany
    • France
    • Italy
    • Spain
    • Rest of Europe
  • Asia-Pacific
    • China
    • Japan
    • India
    • Australia
    • South Korea
    • Rest of Asia-Pacific
  • LAMEA
    • Latin America
    • Middle East
    • Africa

Key Market Players:

    • Admiral
    • Allianz
    • Allstate Insurance Company
    • American International Group, Inc.
    • AXA
    • Chubb
    • Liberty Mutual Insurance Company
    • PICC
    • State Farm Mutual Automobile Insurance Company
    • Zurich

TABLE OF CONTENTS

CHAPTER 1: INTRODUCTION

  • 1.1. Report description
  • 1.2. Key market segments
  • 1.3. Key benefits to the stakeholders
  • 1.4. Research methodology
    • 1.4.1. Primary research
    • 1.4.2. Secondary research
    • 1.4.3. Analyst tools and models

CHAPTER 2: EXECUTIVE SUMMARY

  • 2.1. CXO perspective

CHAPTER 3: MARKET OVERVIEW

  • 3.1. Market definition and scope
  • 3.2. Key findings
    • 3.2.1. Top impacting factors
    • 3.2.2. Top investment pockets
  • 3.3. Porter's five forces analysis
  • 3.4. Market dynamics
    • 3.4.1. Drivers
    • 3.4.2. Restraints
    • 3.4.3. Opportunities

CHAPTER 4: HOME INSURANCE MARKET, BY COVERAGE

  • 4.1. Overview
    • 4.1.1. Market size and forecast
  • 4.2. Comprehensive Coverage
    • 4.2.1. Key market trends, growth factors and opportunities
    • 4.2.2. Market size and forecast, by region
    • 4.2.3. Market share analysis by country
  • 4.3. Dwelling Coverage
    • 4.3.1. Key market trends, growth factors and opportunities
    • 4.3.2. Market size and forecast, by region
    • 4.3.3. Market share analysis by country
  • 4.4. Content Coverage
    • 4.4.1. Key market trends, growth factors and opportunities
    • 4.4.2. Market size and forecast, by region
    • 4.4.3. Market share analysis by country
  • 4.5. Other Optional Coverages
    • 4.5.1. Key market trends, growth factors and opportunities
    • 4.5.2. Market size and forecast, by region
    • 4.5.3. Market share analysis by country

CHAPTER 5: HOME INSURANCE MARKET, BY END USER

  • 5.1. Overview
    • 5.1.1. Market size and forecast
  • 5.2. Landlords
    • 5.2.1. Key market trends, growth factors and opportunities
    • 5.2.2. Market size and forecast, by region
    • 5.2.3. Market share analysis by country
  • 5.3. Tenants
    • 5.3.1. Key market trends, growth factors and opportunities
    • 5.3.2. Market size and forecast, by region
    • 5.3.3. Market share analysis by country

CHAPTER 6: HOME INSURANCE MARKET, BY REGION

  • 6.1. Overview
    • 6.1.1. Market size and forecast By Region
  • 6.2. North America
    • 6.2.1. Key market trends, growth factors and opportunities
    • 6.2.2. Market size and forecast, by Coverage
    • 6.2.3. Market size and forecast, by End User
    • 6.2.4. Market size and forecast, by country
      • 6.2.4.1. U.S.
      • 6.2.4.1.1. Market size and forecast, by Coverage
      • 6.2.4.1.2. Market size and forecast, by End User
      • 6.2.4.2. Canada
      • 6.2.4.2.1. Market size and forecast, by Coverage
      • 6.2.4.2.2. Market size and forecast, by End User
  • 6.3. Europe
    • 6.3.1. Key market trends, growth factors and opportunities
    • 6.3.2. Market size and forecast, by Coverage
    • 6.3.3. Market size and forecast, by End User
    • 6.3.4. Market size and forecast, by country
      • 6.3.4.1. UK
      • 6.3.4.1.1. Market size and forecast, by Coverage
      • 6.3.4.1.2. Market size and forecast, by End User
      • 6.3.4.2. Germany
      • 6.3.4.2.1. Market size and forecast, by Coverage
      • 6.3.4.2.2. Market size and forecast, by End User
      • 6.3.4.3. France
      • 6.3.4.3.1. Market size and forecast, by Coverage
      • 6.3.4.3.2. Market size and forecast, by End User
      • 6.3.4.4. Italy
      • 6.3.4.4.1. Market size and forecast, by Coverage
      • 6.3.4.4.2. Market size and forecast, by End User
      • 6.3.4.5. Spain
      • 6.3.4.5.1. Market size and forecast, by Coverage
      • 6.3.4.5.2. Market size and forecast, by End User
      • 6.3.4.6. Rest of Europe
      • 6.3.4.6.1. Market size and forecast, by Coverage
      • 6.3.4.6.2. Market size and forecast, by End User
  • 6.4. Asia-Pacific
    • 6.4.1. Key market trends, growth factors and opportunities
    • 6.4.2. Market size and forecast, by Coverage
    • 6.4.3. Market size and forecast, by End User
    • 6.4.4. Market size and forecast, by country
      • 6.4.4.1. China
      • 6.4.4.1.1. Market size and forecast, by Coverage
      • 6.4.4.1.2. Market size and forecast, by End User
      • 6.4.4.2. Japan
      • 6.4.4.2.1. Market size and forecast, by Coverage
      • 6.4.4.2.2. Market size and forecast, by End User
      • 6.4.4.3. India
      • 6.4.4.3.1. Market size and forecast, by Coverage
      • 6.4.4.3.2. Market size and forecast, by End User
      • 6.4.4.4. Australia
      • 6.4.4.4.1. Market size and forecast, by Coverage
      • 6.4.4.4.2. Market size and forecast, by End User
      • 6.4.4.5. South Korea
      • 6.4.4.5.1. Market size and forecast, by Coverage
      • 6.4.4.5.2. Market size and forecast, by End User
      • 6.4.4.6. Rest of Asia-Pacific
      • 6.4.4.6.1. Market size and forecast, by Coverage
      • 6.4.4.6.2. Market size and forecast, by End User
  • 6.5. LAMEA
    • 6.5.1. Key market trends, growth factors and opportunities
    • 6.5.2. Market size and forecast, by Coverage
    • 6.5.3. Market size and forecast, by End User
    • 6.5.4. Market size and forecast, by country
      • 6.5.4.1. Latin America
      • 6.5.4.1.1. Market size and forecast, by Coverage
      • 6.5.4.1.2. Market size and forecast, by End User
      • 6.5.4.2. Middle East
      • 6.5.4.2.1. Market size and forecast, by Coverage
      • 6.5.4.2.2. Market size and forecast, by End User
      • 6.5.4.3. Africa
      • 6.5.4.3.1. Market size and forecast, by Coverage
      • 6.5.4.3.2. Market size and forecast, by End User

CHAPTER 7: COMPETITIVE LANDSCAPE

  • 7.1. Introduction
  • 7.2. Top winning strategies
  • 7.3. Product mapping of top 10 player
  • 7.4. Competitive dashboard
  • 7.5. Competitive heatmap
  • 7.6. Top player positioning, 2023

CHAPTER 8: COMPANY PROFILES

  • 8.1. Allianz
    • 8.1.1. Company overview
    • 8.1.2. Key executives
    • 8.1.3. Company snapshot
    • 8.1.4. Operating business segments
    • 8.1.5. Product portfolio
    • 8.1.6. Business performance
    • 8.1.7. Key strategic moves and developments
  • 8.2. Zurich
    • 8.2.1. Company overview
    • 8.2.2. Key executives
    • 8.2.3. Company snapshot
    • 8.2.4. Operating business segments
    • 8.2.5. Product portfolio
    • 8.2.6. Business performance
    • 8.2.7. Key strategic moves and developments
  • 8.3. Admiral
    • 8.3.1. Company overview
    • 8.3.2. Key executives
    • 8.3.3. Company snapshot
    • 8.3.4. Operating business segments
    • 8.3.5. Product portfolio
    • 8.3.6. Business performance
    • 8.3.7. Key strategic moves and developments
  • 8.4. Allstate Insurance Company
    • 8.4.1. Company overview
    • 8.4.2. Key executives
    • 8.4.3. Company snapshot
    • 8.4.4. Operating business segments
    • 8.4.5. Product portfolio
    • 8.4.6. Business performance
    • 8.4.7. Key strategic moves and developments
  • 8.5. Liberty Mutual Insurance Company
    • 8.5.1. Company overview
    • 8.5.2. Key executives
    • 8.5.3. Company snapshot
    • 8.5.4. Operating business segments
    • 8.5.5. Product portfolio
    • 8.5.6. Business performance
    • 8.5.7. Key strategic moves and developments
  • 8.6. Chubb
    • 8.6.1. Company overview
    • 8.6.2. Key executives
    • 8.6.3. Company snapshot
    • 8.6.4. Operating business segments
    • 8.6.5. Product portfolio
    • 8.6.6. Business performance
    • 8.6.7. Key strategic moves and developments
  • 8.7. PICC
    • 8.7.1. Company overview
    • 8.7.2. Key executives
    • 8.7.3. Company snapshot
    • 8.7.4. Operating business segments
    • 8.7.5. Product portfolio
    • 8.7.6. Business performance
    • 8.7.7. Key strategic moves and developments
  • 8.8. State Farm Mutual Automobile Insurance Company
    • 8.8.1. Company overview
    • 8.8.2. Key executives
    • 8.8.3. Company snapshot
    • 8.8.4. Operating business segments
    • 8.8.5. Product portfolio
    • 8.8.6. Business performance
    • 8.8.7. Key strategic moves and developments
  • 8.9. AXA
    • 8.9.1. Company overview
    • 8.9.2. Key executives
    • 8.9.3. Company snapshot
    • 8.9.4. Operating business segments
    • 8.9.5. Product portfolio
    • 8.9.6. Business performance
    • 8.9.7. Key strategic moves and developments
  • 8.10. American International Group, Inc.
    • 8.10.1. Company overview
    • 8.10.2. Key executives
    • 8.10.3. Company snapshot
    • 8.10.4. Operating business segments
    • 8.10.5. Product portfolio
    • 8.10.6. Business performance
    • 8.10.7. Key strategic moves and developments