Company: HIG-PG
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000874766-25-000107
Chunk: 355

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-10-27
Form: 10-Q
Item: Item 8
Chunk 355
---
 PremiumsProduct LineAutomobile$634 $616 3%$1,880 $1,774 6%Homeowners316 269 17%900 773 16%Total$950 $885 7%$2,780 $2,547 9%

80

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 September 30,Nine Months Ended September 30,Premium Measures2025202420252024Policies in-force end of period (in thousands)Automobile1,091 1,193 Homeowners723 707 Net new business premiumAutomobile$71 $83 $233 $237 Homeowners$59 $60 $190 $141 Effective Policy Count RetentionAutomobile 80 %79 %79 %79 %Homeowners82 %83 %82 %83 %Renewal written price increaseAutomobile11.3 %20.7 %13.6 %23.1 %Homeowners12.6 %15.1 %12.5 %15.0 %Renewal earned price increaseAutomobile 15.4 %22.7 %17.6 %21.3 %Homeowners13.1 %14.8 %13.7 %14.6 %

Underwriting Ratios

Three Months Ended September 30,Nine Months Ended September 30,Underwriting Ratios20252024Change20252024ChangeLoss and loss adjustment expense ratio62.9 76.8(13.9)70.2 78.1 (7.9)Expense Ratio25.8 25.6 0.2 26.0 25.8 0.2 Combined Ratio88.7 102.5 (13.8)96.2 103.8 (7.6)Adjustment to reconcile combined ratio to underlying combined ratio:Current accident year catastrophes and prior year development1.2 (8.8)10.0 (7.0)(8.4)1.4 Underlying combined ratio90.0 93.7 (3.7)89.2 95.4 (6.2)Underlying loss and loss adjustment expense ratio64.