Company: HIG-PG
Filing Date: 2025-07-28
Form Type: 10-Q
Source: 0000874766-25-000084
Chunk: 345

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-07-28
Form: 10-Q
Item: Item 8
Chunk 345
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24Change20252024ChangeProduct 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 (4.8)Expense Ratio25.1 26.4 (1.3)26.1 25.9 0.2 Combined Ratio94.1 107.4 (13.3)100.0 104.6 (4.6)Adjustment to reconcile combined ratio to