住宅保険市場- 世界の産業規模、シェア、動向、機会、予測、補償範囲別、エンドユーザー別、プロバイダー別、地域別、競争別、2020-2030F

住宅保険の世界市場規模は2024年に2,401億5,000万米ドルで、予測期間中のCAGRは8.45%で2030年には3,906億8,000万米ドルに達すると予測されています。

世界の住宅保険市場は、持ち家率の上昇、財産保護意識の高まり、自然災害の頻発化などを背景に、着実な成長を遂げています。AIを活用したアンダーライティングやブロックチェーンを活用したクレーム処理などの技術的進歩により、効率性と顧客体験が向上しています。北米と欧州は保険の普及率が高いため市場を独占しているが、アジア太平洋は都市化と経済開拓により急速に拡大しています。

市場促進要因

住宅所有者の増加と不動産開発

主な市場課題

請求コストの上昇と収益性の圧迫

主な市場動向

住宅所有者向けパラメトリック保険の成長

目次

第1章 イントロダクション

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 世界の住宅保険市場展望

• 市場規模・予測
  • 金額別
• 市場シェア・予測
  • 補償内容別（総合補償、住居補償、内容補償、その他）
  • エンドユーザー（家主、借主）別
  • プロバイダー別（保険会社、保険代理店/ブローカー、インシュアテック企業、その他）
  • 地域別
  • 企業別（2024）
• 市場マップ

第5章 北米の住宅保険市場展望

• 市場規模・予測
  • 金額別
• 市場シェア・予測
  • 報道内容
  • エンドユーザー別
  • プロバイダー別
  • 国別
• 北米：国別分析
  • 米国
  • カナダ
  • メキシコ

第6章 欧州の住宅保険市場展望

• 市場規模・予測
• 市場シェア・予測
• 欧州：国別分析
  • フランス
  • ドイツ
  • スペイン
  • イタリア
  • 英国

第7章 アジア太平洋地域の住宅保険市場展望

• 市場規模・予測
• 市場シェア・予測
• アジア太平洋地域：国別分析
  • 中国
  • 日本
  • インド
  • ベトナム
  • 韓国

第8章 中東・アフリカの住宅保険市場展望

• 市場規模・予測
• 市場シェア・予測
• 中東・アフリカ：国別分析
  • 南アフリカ
  • サウジアラビア
  • アラブ首長国連邦
  • トルコ

第9章 南米の住宅保険市場展望

• 市場規模・予測
• 市場シェア・予測
• 南米：国別分析
  • ブラジル
  • アルゼンチン
  • コロンビア

第10章 市場力学

• 促進要因
• 課題

第11章 市場動向と発展

• 合併と買収
• 製品の発売
• 最近の動向

第12章 ポーターのファイブフォース分析

• 業界内の競合
• 新規参入の可能性
• サプライヤーの力
• 顧客の力
• 代替品の脅威

第13章 競合情勢

• 企業プロファイル
  • American International Group, Inc.
  • Chubb Limited
  • China People's Insurance Company（Group）Co., Ltd.
  • Liberty Mutual Insurance Company
  • Zurich American Insurance Company
  • State Farm Mutual Automobile Insurance Company
  • AXA Group
  • Allstate Insurance Company
  • Nationwide Mutual Insurance Company
  • Admiral Group Plc

第14章 戦略的提言

第15章 調査会社について・免責事項

Global Home Insurance Market was valued at USD 240.15 Billion in 2024 and is expected to reach USD 390.68 Billion by 2030 with a CAGR of 8.45% during the forecast period. The global home insurance market is experiencing steady growth, driven by rising homeownership rates, increasing awareness of property protection, and the growing frequency of natural disasters. Technological advancements, such as AI-powered underwriting and blockchain-based claims processing, are enhancing efficiency and customer experience. North America and Europe dominate the market due to high insurance penetration, while Asia-Pacific is witnessing rapid expansion due to urbanization and economic development.

Market Drivers

Increasing Homeownership and Real Estate Development

The rising global homeownership rate, fueled by economic growth, urbanization, and government-backed mortgage programs, is a key driver of the home insurance market. As more individuals and families invest in residential properties, the demand for financial protection against risks such as fire, theft, and natural disasters has surged. According to the World Bank, the global homeownership rate averages around 65%, with developed countries like the U.S. and Canada exceeding 70%, while emerging markets like China and India are witnessing rapid growth due to expanding middle-class populations and housing initiatives. Additionally, large-scale real estate development projects, including smart cities and high-rise apartments, are increasing the insured property base. In regions like Asia-Pacific, real estate investments have surged, with China's property sector alone valued at over $50 trillion. This expansion directly translates into a higher uptake of home insurance policies, as homeowners seek to safeguard their investments.

Key Market Challenges

Rising Claim Costs and Profitability Pressure

One of the most significant challenges facing the global home insurance market is the rising cost of claims, which directly impacts insurer profitability. The increasing frequency and severity of natural disasters, driven by climate change, have led to higher payouts for property damage. Additionally, inflation and supply chain disruptions have escalated construction and repair costs, further inflating claim expenses. A surge in fraudulent claims also adds financial strain, with the Coalition Against Insurance Fraud estimating that fraud costs the U.S. insurance industry over $80 billion annually. To manage these rising costs, insurers are adjusting premium rates, tightening underwriting standards, and leveraging technology such as AI and predictive analytics for more accurate risk assessments. However, balancing profitability with affordability remains a persistent challenge, as excessive premium hikes could drive policyholders away, particularly in high-risk regions where home insurance is already expensive.

Key Market Trends

Growth of Parametric Insurance for Homeowners

A significant trend reshaping the home insurance market is the increasing adoption of parametric insurance, which offers quicker payouts based on predefined triggers such as wind speeds, earthquake magnitudes, or flood levels, rather than the traditional claim-based model. Unlike conventional policies, where claim processing can take weeks or months due to damage assessment and paperwork, parametric insurance ensures immediate compensation once a predefined event occurs. This model is gaining traction in regions prone to natural disasters, such as hurricane-prone coastal areas in the United States and flood-prone regions in Asia. Insurers like Swiss Re and AXA are pioneering parametric policies to provide homeowners with faster financial relief, reducing administrative burdens and improving customer satisfaction. As climate change increases the frequency of catastrophic events, demand for parametric insurance is expected to grow, encouraging insurers to develop innovative risk-transfer solutions that provide more predictable and transparent coverage for homeowners.

Key Market Players

• American International Group, Inc.
• Chubb Limited
• China People's Insurance Company (Group) Co., Ltd.
• Liberty Mutual Insurance Company
• Zurich American Insurance Company
• State Farm Mutual Automobile Insurance Company
• AXA Group
• Allstate Insurance Company
• Nationwide Mutual Insurance Company
• Admiral Group Plc

Report Scope:

In this report, the global Home Insurance Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Home Insurance Market, By Coverage:

• Comprehensive Coverage
• Dwelling Coverage
• Content Coverage
• Others

Home Insurance Market, By End User:

• Landlords
• Tenants

Home Insurance Market, By Provider:

• Insurance Companies
• Insurance Agents/Brokers
• Insurtech Companies
• Others

Home Insurance Market, By Region:

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • France
  • Germany
  • Spain
  • Italy
  • United Kingdom
• Asia-Pacific
  • China
  • Japan
  • India
  • Vietnam
  • South Korea
• Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE
  • Turkey
• South America
  • Brazil
  • Argentina
  • Colombia

Competitive Landscape

Company Profiles: Detailed analysis of the major companies presents in the global Home Insurance Market.

Available Customizations:

Global Home Insurance Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Introduction

• 1.1. Market Overview
• 1.2. Key Highlights of the Report
• 1.3. Market Coverage
• 1.4. Market Segments Covered
• 1.5. Research Tenure Considered

2. Research Methodology

• 2.1. Methodology Landscape
• 2.2. Objective of the Study
• 2.3. Baseline Methodology
• 2.4. Formulation of the Scope
• 2.5. Assumptions and Limitations
• 2.6. Sources of Research
• 2.7. Approach for the Market Study
• 2.8. Methodology Followed for Calculation of Market Size & Market Shares
• 2.9. Forecasting Methodology

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions
• 3.5. Overview of Market Drivers, Challenges, and Trends

4. Global Home Insurance Market Outlook

• 4.1. Market Size & Forecast
  • 4.1.1. By Value
• 4.2. Market Share & Forecast
  • 4.2.1. By Coverage (Comprehensive Coverage, Dwelling Coverage, Content Coverage, Others)
  • 4.2.2. By End User (Landlords, Tenants)
  • 4.2.3. By Provider (Insurance Companies, Insurance Agents/Brokers, Insurtech Companies, Others)
  • 4.2.4. By Region
  • 4.2.5. By Company (2024)
• 4.3. Market Map

5. North America Home Insurance Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Coverage
  • 5.2.2. By End User
  • 5.2.3. By Provider
  • 5.2.4. By Country
• 5.3. North America: Country Analysis
  • 5.3.1. United States Home Insurance Market Outlook
    • 5.3.1.1. Market Size & Forecast
      • 5.3.1.1.1. By Value
    • 5.3.1.2. Market Share & Forecast
      • 5.3.1.2.1. By Coverage
      • 5.3.1.2.2. By End User
      • 5.3.1.2.3. By Provider
  • 5.3.2. Canada Home Insurance Market Outlook
    • 5.3.2.1. Market Size & Forecast
      • 5.3.2.1.1. By Value
    • 5.3.2.2. Market Share & Forecast
      • 5.3.2.2.1. By Coverage
      • 5.3.2.2.2. By End User
      • 5.3.2.2.3. By Provider
  • 5.3.3. Mexico Home Insurance Market Outlook
    • 5.3.3.1. Market Size & Forecast
      • 5.3.3.1.1. By Value
    • 5.3.3.2. Market Share & Forecast
      • 5.3.3.2.1. By Coverage
      • 5.3.3.2.2. By End User
      • 5.3.3.2.3. By Provider

6. Europe Home Insurance Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Coverage
  • 6.2.2. By End User
  • 6.2.3. By Provider
  • 6.2.4. By Country
• 6.3. Europe: Country Analysis
  • 6.3.1. France Home Insurance Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Coverage
      • 6.3.1.2.2. By End User
      • 6.3.1.2.3. By Provider
  • 6.3.2. Germany Home Insurance Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Coverage
      • 6.3.2.2.2. By End User
      • 6.3.2.2.3. By Provider
  • 6.3.3. Spain Home Insurance Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Coverage
      • 6.3.3.2.2. By End User
      • 6.3.3.2.3. By Provider
  • 6.3.4. Italy Home Insurance Market Outlook
    • 6.3.4.1. Market Size & Forecast
      • 6.3.4.1.1. By Value
    • 6.3.4.2. Market Share & Forecast
      • 6.3.4.2.1. By Coverage
      • 6.3.4.2.2. By End User
      • 6.3.4.2.3. By Provider
  • 6.3.5. United Kingdom Home Insurance Market Outlook
    • 6.3.5.1. Market Size & Forecast
      • 6.3.5.1.1. By Value
    • 6.3.5.2. Market Share & Forecast
      • 6.3.5.2.1. By Coverage
      • 6.3.5.2.2. By End User
      • 6.3.5.2.3. By Provider

7. Asia-Pacific Home Insurance Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Coverage
  • 7.2.2. By End User
  • 7.2.3. By Provider
  • 7.2.4. By Country
• 7.3. Asia-Pacific: Country Analysis
  • 7.3.1. China Home Insurance Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Coverage
      • 7.3.1.2.2. By End User
      • 7.3.1.2.3. By Provider
  • 7.3.2. Japan Home Insurance Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Coverage
      • 7.3.2.2.2. By End User
      • 7.3.2.2.3. By Provider
  • 7.3.3. India Home Insurance Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Coverage
      • 7.3.3.2.2. By End User
      • 7.3.3.2.3. By Provider
  • 7.3.4. Vietnam Home Insurance Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Coverage
      • 7.3.4.2.2. By End User
      • 7.3.4.2.3. By Provider
  • 7.3.5. South Korea Home Insurance Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Coverage
      • 7.3.5.2.2. By End User
      • 7.3.5.2.3. By Provider

8. Middle East & Africa Home Insurance Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Coverage
  • 8.2.2. By End User
  • 8.2.3. By Provider
  • 8.2.4. By Country
• 8.3. MEA: Country Analysis
  • 8.3.1. South Africa Home Insurance Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Coverage
      • 8.3.1.2.2. By End User
      • 8.3.1.2.3. By Provider
  • 8.3.2. Saudi Arabia Home Insurance Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Coverage
      • 8.3.2.2.2. By End User
      • 8.3.2.2.3. By Provider
  • 8.3.3. UAE Home Insurance Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Coverage
      • 8.3.3.2.2. By End User
      • 8.3.3.2.3. By Provider
  • 8.3.4. Turkey Home Insurance Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Coverage
      • 8.3.4.2.2. By End User
      • 8.3.4.2.3. By Provider

9. South America Home Insurance Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Coverage
  • 9.2.2. By End User
  • 9.2.3. By Provider
  • 9.2.4. By Country
• 9.3. South America: Country Analysis
  • 9.3.1. Brazil Home Insurance Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Coverage
      • 9.3.1.2.2. By End User
      • 9.3.1.2.3. By Provider
  • 9.3.2. Argentina Home Insurance Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Coverage
      • 9.3.2.2.2. By End User
      • 9.3.2.2.3. By Provider
  • 9.3.3. Colombia Home Insurance Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Coverage
      • 9.3.3.2.2. By End User
      • 9.3.3.2.3. By Provider

10. Market Dynamics

• 10.1. Drivers
• 10.2. Challenges

11. Market Trends & Developments

• 11.1. Merger & Acquisition (If Any)
• 11.2. Product Launches (If Any)
• 11.3. Recent Developments

12. Porters Five Forces Analysis

• 12.1. Competition in the Industry
• 12.2. Potential of New Entrants
• 12.3. Power of Suppliers
• 12.4. Power of Customers
• 12.5. Threat of Substitute Products

13. Competitive Landscape

• 13.1. Company Profiles
  • 13.1.1. American International Group, Inc.
    • 13.1.1.1. Business Overview
    • 13.1.1.2. Company Snapshot
    • 13.1.1.3. Products & Services
    • 13.1.1.4. Financials (As Per Availability)
    • 13.1.1.5. Key Market Focus & Geographical Presence
    • 13.1.1.6. Recent Developments
    • 13.1.1.7. Key Management Personnel
  • 13.1.2. Chubb Limited
  • 13.1.3. China People's Insurance Company (Group) Co., Ltd.
  • 13.1.4. Liberty Mutual Insurance Company
  • 13.1.5. Zurich American Insurance Company
  • 13.1.6. State Farm Mutual Automobile Insurance Company
  • 13.1.7. AXA Group
  • 13.1.8. Allstate Insurance Company
  • 13.1.9. Nationwide Mutual Insurance Company
  • 13.1.10. Admiral Group Plc

14. Strategic Recommendations

15. About Us & Disclaimer