Company: HIG-PG
Filing Date: 2025-07-28
Form Type: 10-Q
Source: 0000874766-25-000084
Chunk: 38

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-07-28
Form: 10-Q
Item: Item 2
Chunk 38
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 ended June 30, 2025 and 2024, respectively.

[4]For discussion of income taxes, see Note 12 - Income Taxes of Notes to Condensed Consolidated Financial Statements.

Written and Earned Premiums

Three Months Ended June 30,Six Months Ended June 30,Written Premiums20252024Change20252024ChangeProduct LineAutomobile$633 $617 3 %$1,260 $1,217 4 %Homeowners347 296 17 %633 540 17 %Total$980 $913 7 %$1,893 $1,757 8 %Earned PremiumsProduct LineAutomobile$628 $592 6 %$1,246 $1,158 8 %Homeowners303 257 18 %584 504 16 %Total$931 $849 10 %$1,830 $1,662 10 %

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Table of ContentsIndex to MD&A Part I - Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations

Premium Measures

Three Months Ended June 30,Six Months Ended June 30,Premium Measures2025202420252024Policies in-force end of period (in thousands)Automobile1,121 1,214 Homeowners724 702 Net new business premiumAutomobile$81 $82 $162 $154 Homeowners$69 $47 $131 $81 Effective Policy Count RetentionAutomobile 79 %79 %79 %79 %Homeowners83 %84 %83 %83 %Renewal written price increaseAutomobile14.0 %23.4 %14.8 %24.4 %Homeowners12.7 %14.9 %12.5 %15.0 %Renewal earned price increaseAutomobile 17.4 %22.1 %18.7 %20.6 %Homeowners13.7 %14.6 %14.1 %14.5 %

Underwriting Ratios

Three Months Ended June 30,Six Months Ended June 30,Underwriting Ratios20252024Change20252024ChangeLoss and loss adjustment expense ratio69.0 81.0(12.0)73.9 78.7