住宅保険市場：補償別、エンドユーザー別、プロバイダー別、地域別、2024年～2031年

住宅保険市場の評価、2024年～2031年

住宅保険市場の資産価値は上昇しています。住宅がますます高価になるにつれ、住宅所有者は投資を保護する必要性を理解しています。破損や紛失による経済的な大幅な後退は心を痛めるものだが、住宅保険は安心感を与えてくれます。さらに、自然災害、強盗、その他の不測の災難の絶え間ない脅威は、より多くの人々がセーフティネットとして住宅保険を求めるよう促しています。2023年の市場規模は2,766億5,000万米ドルを超え、2031年には約5,243億2,000万米ドルに達します。

さらに、世界の人口増加や保険知識普及のための政府施策などの変数が、市場成長の原動力となっています。世帯数の増加に伴い、住宅所有とその保護の必要性も高まる。政府のプログラムは、住宅保険の利点について人々を教育し、保険加入を促すのに役立ちます。このような努力の積み重ねが、多くの世帯にとってより安全な将来をもたらしています。費用対効果が高く効率的な住宅保険に対する需要の高まりにより、市場は2024年から2031年までCAGR8.32％で成長します。

住宅保険市場定義／概要

ホームオーナーズ保険として知られる住宅保険は、家屋とその内容物に対する金銭的損失や損害を補償する損害保険の一種です。この保険は多くの場合、家の物理的構造、個人的な必要性、財物関連事故に対する賠償責任、および対象事故により家が一時的に使用できなくなった場合の追加生活費をカバーします。火災、盗難、破壊行為、暴風雨やハリケーンなどの自然災害などのリスクをカバーすることが多いです。

住宅保険は、住宅所有者がその財産への金銭的投資を保護するために必要です。住宅ローンを組む際にも、その物件が損害から守られることを保証するために、ローンの承認条件として必要とされることが多いです。住宅所有者は、特定のニーズに応じて保険契約をカスタマイズすることができ、自宅と個人の所有物の両方について、様々なレベルの補償から選択することができます。さらに、住宅保険には賠償責任補償が含まれている場合があり、敷地内で誰かが怪我をした場合、法的費用や医療費から住宅所有者を保護します。住宅保険は、その適用範囲の広さから、住宅所有者の資金計画やリスク管理の重要な一部となっています。

住宅保険は、技術の向上や環境条件の変化の影響を受けると予想されます。スマートホーム技術の発展に伴い、保険会社はコネクテッド・デバイスからのデータを利用して家庭の安全性や使用動向をモニターし、積極的なリスク管理によって保険料を引き下げる可能性のある個別プランを提供することができるようになった。

さらに、気候変動と自然災害の頻度の増加は、新たなリスクを管理するためのより包括的なプランを要求し、補償の選択肢を進化させると思われます。保険会社はまた、より適応性の高いモジュール式の保険ソリューションを開発し、住宅所有者が要件や状況に応じて補償内容を動的に変更できるようにする可能性もあります。データ分析と人工知能が向上するにつれて、住宅保険事業はよりカスタマイズされ、効率的になり、住宅所有者の需要の変化に敏感になることが予想されます。

住宅所有率の上昇は住宅保険市場を牽引するか？

住宅保険市場は、技術の向上や環境条件の変化に影響されると予想されます。スマートホーム技術の発展に伴い、保険会社はコネクテッド・デバイスからのデータを利用して家庭の安全性や使用動向を監視し、積極的なリスク管理によって保険料を引き下げる可能性のある個別化プランを提供できるようになった。

さらに、気候変動と自然災害の頻度の増加は、新たなリスクを管理するためのより包括的なプランを要求し、補償の選択肢を進化させると思われます。保険会社はまた、より適応性の高いモジュール式の保険ソリューションを開発し、住宅所有者が要件や状況に応じて補償内容を動的に変更できるようにする可能性もあります。データ分析と人工知能が向上するにつれて、住宅保険事業はよりカスタマイズされ、効率的になり、住宅所有者の変化する需要に敏感になると予想されます。

さらに、住宅所有率の上昇は保険会社間の競争激化につながる可能性があります。潜在的な顧客層が増えることで、保険会社はサービスの幅を広げ、斬新な商品を生み出し、新たな契約者を獲得するために価格設定方法を変更することができます。このような競合環境は、消費者に新たな選択肢を提供し、個別化された保障を提供し、場合によっては保険料を引き下げることで、消費者に利益をもたらす可能性があります。

景気後退は住宅保険市場を阻害するか？

住宅保険市場では、景気後退や経済不安の際に、個人が経済的な限界に直面する可能性があり、保険料を優先させることが難しくなります。失業率が上昇し、可処分所得が減少すると、住宅所有者は保険加入のような裁量支出を削減するなど、コストを削減する方法を探すかもしれないです。このため、住宅所有者は保険契約を失効させるか、保険料を節約するためにより包括的でないプランに格下げすることを決断する可能性があり、住宅保険契約の需要が減少する可能性があります。さらに、景気後退期には、住宅を所有する余裕が全くなくなる人も出てくる可能性があり、保険会社は潜在的な消費者の数を減らすことになります。

さらに、景気後退は保険会社の収益性や財務の安定性にも影響を与えます。消費者の支出や保険商品に対する需要が減少すれば、保険会社の保険料収入が減少する可能性があります。同時に、犯罪率の上昇や、住宅所有者の保険未加入による保険金未払い損害の増加などの要因により、保険会社の保険金請求が増加する可能性もあります。こうした原因が重なると、保険会社の財源が圧迫され、保険引受損失が拡大し、運用収益が減少し、支払不能に陥るリスクが高まる可能性があります。

目次

第1章 世界の住宅保険市場：イントロダクション

• 市場概要
• 調査範囲
• 前提条件

第2章 エグゼクティブサマリー

第3章 VERIFIED MARKET RESEARCHの調査手法

• データマイニング
• 検証
• プライマリーインタビュー
• データソース一覧

第4章 住宅保険の世界市場の展望

• 概要
• 市場力学
  • 促進要因
  • 抑制要因
  • 機会
• ポーターのファイブフォースモデル
• バリューチェーン分析

第5章 住宅保険の世界市場：補償別

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

第6章 住宅保険の世界市場：エンドユーザー別

• 概要
• 家主
• テナント

第7章 住宅保険の世界市場：地域別

• 概要
• 北米
  • 米国
  • カナダ
  • メキシコ
• 欧州
  • ドイツ
  • 英国
  • フランス
  • その他欧州
• アジア太平洋
  • 中国
  • 日本
  • インド
  • その他アジア太平洋地域
• 世界のその他の地域
  • ラテンアメリカ
  • 中東・アフリカ

第8章 世界の住宅保険市場：競合情勢

• 概要
• 各社の市場ランキング
• 主な発展戦略

第9章 企業プロファイル

• PICC RE
• Chubb
• Allianz
• Admiral
• Allstate Insurance Company
• Liberty Mutual Insurance
• AXA
• MetLife Services and Solutions
• American International Group, Inc.
• Zurich

第10章 主な発展

• 製品上市／開発
• 合併と買収
• 事業拡大
• パートナーシップと提携

第11章 付録

• 関連調査

Home Insurance Market Valuation - 2024-2031

The home insurance market is seeing rising property values. As homes become increasingly expensive, homeowners understand the necessity of protecting their investment. A substantial financial setback due to damage or loss can be heartbreaking, but home insurance provides peace of mind. Furthermore, the constant threat of natural catastrophes, robbery, and other unforeseen calamities is encouraging more people to seek home insurance as a safety net. the market size surpass USD 276.65 Billion valued in 2023 to reach a valuation of aroundUSD 524.32 Billion by 2031.

Furthermore, variables such as an increasing global population and government measures to promote insurance knowledge are driving market growth. As the number of households grows, so will the need for homeownership and its protection. Government programs can help educate people about the benefits of home insurance and encourage them to purchase coverage. This combined effort is resulting in a more secure future for many households. The rising demand for cost-effective and efficient home insurance is enabling the market grow at aCAGR of 8.32% from 2024 to 2031.

Home Insurance Market: Definition/ Overview

Home insurance, often known as homeowners insurance, is a sort of property insurance that covers financial losses and damages to a person's home and its contents. This insurance often covers the house's physical structure, personal needs, liability for property-related accidents, and additional living expenses if the home is temporarily unusable due to a covered occurrence. Policies frequently cover risks such as fire, theft, vandalism, and natural disasters such as storms and hurricanes, although coverage details can vary greatly.

Home insurance is required by homeowners to protect their financial investment in their property. It is frequently needed by mortgage lenders as a condition of loan approval to ensure that the property is safeguarded from any damages. Homeowners can customize their insurance policy depending on their specific needs, selecting from a variety of levels of coverage for both their home and personal possessions. Furthermore, home insurance policies may contain liability coverage, which protects homeowners from legal and medical costs if someone is injured on their property. Home insurance is an important part of homeowners' financial planning and risk management because of its wide range of applications.

Home insurance is expected to be influenced by technological improvements and shifting environmental conditions. With the growth of smart home technology, insurers may now provide personalized plans that use data from connected devices to monitor home safety and usage trends, potentially lowering rates for proactive risk management.

Furthermore, climate change and the increased frequency of natural disasters will drive the evolution of coverage alternatives, demanding more comprehensive plans to manage emerging risks. Insurers may also create more adaptable and modular insurance solutions, enabling homeowners to dynamically alter their coverage based on their requirements and circumstances. As data analytics and artificial intelligence improve, the house insurance business is expected to become more customized, efficient, and sensitive to homeowners' changing demands.

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Will Raise Homeownership Rates Drive the Home Insurance Market?

The home insurance market is expected to be influenced by technological improvements and shifting environmental conditions. With the growth of smart home technology, insurers may now provide personalized plans that use data from connected devices to monitor home safety and usage trends, potentially lowering rates for proactive risk management.

Furthermore, climate change and the increased frequency of natural disasters will drive the evolution of coverage alternatives, demanding more comprehensive plans to manage emerging risks. Insurers may also create more adaptable and modular insurance solutions, enabling homeowners to dynamically alter their coverage based on their requirements and circumstances. As data analytics and artificial intelligence improve, the house insurance business is expected to become more customized, efficient, and sensitive to homeowners' changing demands.

Furthermore, higher homeownership rates may lead to increased competition among insurers. With a bigger pool of potential clients, insurers can broaden their services, create novel products, and modify pricing methods to attract new policyholders. This competitive environment can benefit consumers by giving them additional options, personalized coverage, and possibly lower premiums.

Will Economic Downturns Hamper the Home Insurance Market?

In the home insurance market, individuals may encounter financial limits during economic downturns or financial instability, making it difficult to prioritize insurance costs. As unemployment rates rise and disposable incomes fall, homeowners may look for methods to decrease costs, including cutting back on discretionary spending like insurance coverage. This could lead to a decrease in demand for home insurance policies, as homeowners may decide to let their coverage lapse or downgrade to less comprehensive plans to save money. Furthermore, during economic downturns, some people may be unable to afford homeownership at all, leaving insurers with a reduced pool of potential consumers.

Furthermore, economic downturns can have an impact on insurance companies' profitability and financial stability. Reduced consumer spending and demand for insurance products may result in lower premium income for insurers. At the same time, insurers may experience increased claims activity as a result of variables such as rising property crime rates or an increase in uninsured losses caused by homeowners' failure to retain coverage. These combined causes can put a strain on insurers' financial resources, potentially resulting in larger underwriting losses, lower investment income, and an increased risk of insolvency.

Category-Wise Acumens

Will the Foundation of Most Homeowner Policies Propel the Dwelling Coverage Segment?

In the home insurance market, dwelling coverage protects the physical structure of the home against a variety of dangers such as fire, windstorms, vandalism, and other insured risks. Because the home is frequently the most significant investment for homeowners, providing proper coverage for the dwelling is critical to protecting against potential financial losses caused by damages or destruction. As such, dwelling coverage is an essential component of home insurance policies, acting as the primary mechanism by which homeowners protect their property and assets.

Furthermore, property valuations, construction costs, and regional risk exposures all have a significant impact on the home insurance market's dwelling coverage section. Changes in property values and construction material prices have a direct impact on home replacement costs, which in turn influence the premiums charged for housing coverage. Also, regional differences in risk characteristics, such as vulnerability to natural disasters or crime rates, might influence insurers' underwriting criteria and pricing tactics for dwelling coverage.

Content coverage will hold the second-largest share. Content insurance is frequently referred to as personal property coverage. This segment is expected to increase significantly in the coming years since it offers financial protection against stand-alone goods and is appropriate for homeowners and renters in moveable things. It also offers financial aid to replace or repair stolen or damaged personal property, such as that caused by a covered risk like a fire.

Will the Rising Popularity of Rental Properties Accelerate the Landlord's Segment?

In the house insurance market, as more people invest in rental properties as a source of income or investment diversification, there is a growing demand for specialized insurance coverage that addresses the specific risks associated with property ownership and rental management. Landlord insurance, often known as rental property insurance, protects property owners from risks such as property damage, liability claims, loss of rental income, and legal fees associated with tenant disputes or evictions.

Landlord insurance policies usually cover the physical structure of the rental property (dwelling coverage), as well as liability protection for landlords in the case of tenant injuries or property damage caused by covered risks.

Landlords can also choose optional coverage improvements like loss of rental income coverage, which compensates for lost rental income caused by covered property damage or tenant displacement. With rising demand for rental properties and the complexity of landlord-tenant relationships, insurers see a tremendous opportunity to provide specialized products and services to address the changing demands of rental property owners. As a result, the increasing popularity of rental properties is expected to promote growth in the landlord section of the house insurance market.

The tenant segment is witnessing the most rapid development. Tenants are becoming increasingly conscious of the need to secure their things. Furthermore, government legislation in some locations may require renters' insurance, accelerating its rise.

Country/Region Wise Acumens

Will High Homeownership Rates Propel the Home Insurance Market in North America?

North America now dominates the global home insurance market. As more people become homeowners, demand for home insurance naturally rises. Homeownership is a big financial commitment for individuals, and they want to protect their houses and assets from potential risks and losses. As a result, high homeownership rates provide insurers with a bigger pool of potential clients, accelerating the expansion and vitality of the North American home insurance market.

The home insurance market in this region benefits from a strong regulatory framework, technology advancements, and a competitive environment. Government rules and insurance laws guarantee that households have enough coverage, laying a solid platform for insurers to operate and grow their market position. Technological improvements, such as smart home devices and data analytics, enable insurers to provide novel products and services tailored to customers' needs, improving customer engagement and risk management.

Furthermore, competition among insurers promotes product differentiation, pricing competitiveness, and customer-centric activities, which drives growth in the North American home insurance market. As a result, strong homeownership rates, along with good market conditions, position the North American region as a crucial market for the house insurance market.

How will the Economic Boom in Asia Pacific Favor the Home Insurance Market?

The Asia-Pacific region is experiencing the most rapid expansion in the home insurance market. Economic success frequently leads to higher homeownership rates because people have more purchasing power and access to mortgage finance. As more people become homeowners, the demand for home insurance will naturally increase. Homeowners want to protect their precious assets and investments from unforeseen hazards and disasters, which drives the adoption of insurance coverage. Furthermore, economic prosperity generates confidence and stability, enabling individuals to make long-term financial commitments such as owning a home and obtaining insurance coverage, thus boosting growth in the home insurance industry across the Asia-Pacific region.

Furthermore, an economic boom can result in infrastructural development, urbanization, and growing property values, all of which help to expand the house insurance market. With increased urbanization, there is a greater demand for insurance coverage to safeguard residential properties from a variety of dangers, including natural catastrophes, theft, and liability claims. Rising property values translate into increased replacement expenses, encouraging homeowners to seek comprehensive insurance plans to effectively protect their investments.

Furthermore, economic success promotes innovation and technology improvement, allowing insurers to provide unique products and services customized to the diverse demands of Asian-Pacific homes. As a result, an economic boom is projected to stimulate expansion in the house insurance industry, providing chances for insurers to increase their market presence and meet the changing needs of consumers throughout Asia-Pacific.

Competitive Landscape

The home insurance market is a dynamic and competitive space, characterized by a diverse range of players vying for market share. These players are on the run for solidifying their presence through the adoption of strategic plans such as collaborations, mergers, acquisitions, and political support.

The organizations are focusing on innovating their product line to serve the vast population in diverse regions. Some of the prominent players operating in the home insurance market include:

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

Latest Developments

• In April 2023, Tailrow Insurance Co., part of HCI Group, was approved as a domestic homeowners multiperil insurer by the Florida Office of Insurance Regulation (OIR) under a consent order
• In October 2022, Amazon.com, Inc. opened a home insurance gateway in the UK and signed up three major insurers as part of its global financial services expansion. Ageas UK (AGES.BR), Co-op, and LV General Insurance (a division of German insurer Allianz) will initially supply third-party services.
• In June 2022, Allianz Group agreed to sell the majority of its Russian operations to Interholding LLC.
• In May 2022, Allianz Group announced that it had signed a memorandum of understanding with Voya Financial for a strategic relationship.

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL HOME INSURANCE MARKET

• 1.1 Overview of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL HOME INSURANCE MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL HOME INSURANCE MARKET, BY COVERAGE

• 5.1 Overview
• 5.2 Comprehensive Coverage
• 5.3 Dwelling Coverage
• 5.4 Content Coverage
• 5.5 Other Optional Coverages

6 GLOBAL HOME INSURANCE MARKET, BY END-USER

• 6.1 Overview
• 6.2 Landlords
• 6.3 Tenants

7 GLOBAL HOME INSURANCE MARKET, BY GEOGRAPHY

• 7.1 Overview
• 7.2 North America
  • 7.2.1 U.S.
  • 7.2.2 Canada
  • 7.2.3 Mexico
• 7.3 Europe
  • 7.3.1 Germany
  • 7.3.2 U.K.
  • 7.3.3 France
  • 7.3.4 Rest of Europe
• 7.4 Asia Pacific
  • 7.4.1 China
  • 7.4.2 Japan
  • 7.4.3 India
  • 7.4.4 Rest of Asia Pacific
• 7.5 Rest of the World
  • 7.5.1 Latin America
  • 7.5.2 Middle East and Africa

8 GLOBAL HOME INSURANCE MARKET COMPETITIVE LANDSCAPE

• 8.1 Overview
• 8.2 Company Market Ranking
• 8.3 Key Development Strategies

9 COMPANY PROFILES

• 9.1 PICC RE
  • 9.1.1 Overview
  • 9.1.2 Financial Performance
  • 9.1.3 Product Outlook
  • 9.1.4 Key Developments
• 9.2 Chubb
  • 9.2.1 Overview
  • 9.2.2 Financial Performance
  • 9.2.3 Product Outlook
  • 9.2.4 Key Developments
• 9.3 Allianz
  • 9.3.1 Overview
  • 9.3.2 Financial Performance
  • 9.3.3 Product Outlook
  • 9.3.4 Key Developments
• 9.4 Admiral
  • 9.4.1 Overview
  • 9.4.2 Financial Performance
  • 9.4.3 Product Outlook
  • 9.4.4 Key Developments
• 9.5 Allstate Insurance Company
  • 9.5.1 Overview
  • 9.5.2 Financial Performance
  • 9.5.3 Product Outlook
  • 9.5.4 Key Developments
• 9.6 Liberty Mutual Insurance
  • 9.6.1 Overview
  • 9.6.2 Financial Performance
  • 9.6.3 Product Outlook
  • 9.6.4 Key Developments
• 9.7 AXA
  • 9.7.1 Overview
  • 9.7.2 Financial Performance
  • 9.7.3 Product Outlook
  • 9.7.4 Key Developments
• 9.8 MetLife Services and Solutions
  • 9.8.1 Overview
  • 9.8.2 Financial Performance
  • 9.8.3 Product Outlook
  • 9.8.4 Key Developments
• 9.9 American International Group, Inc.
  • 9.9.1 Overview
  • 9.9.2 Financial Performance
  • 9.9.3 Product Outlook
  • 9.9.4 Key Developments
• 9.10 Zurich
  • 9.10.1 Overview
  • 9.10.2 Financial Performance
  • 9.10.3 Product Outlook
  • 9.10.4 Key Developments

10 KEY DEVELOPMENTS

• 10.1 Product Launches/Developments
• 10.2 Mergers and Acquisitions
• 10.3 Business Expansions
• 10.4 Partnerships and Collaborations

11 Appendix

• 11.1 Related Research