Company: HIG-PG
Filing Date: 2025-10-27
Form Type: 10-Q
Source: 0000874766-25-000107
Chunk: 196

Company: HARTFORD INSURANCE GROUP, INC.
Filing Date: 2025-10-27
Form: 10-Q
Item: Item 1
Chunk 196
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51 for the nine months ended September 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 September 30,Nine Months Ended September 30,Written Premiums20252024Change20252024ChangeProduct LineAutomobile$633 $649 (2%)$1,893 $1,866 1%Homeowners354 321 10%987 861 15%Total$987 $970 2%$2,880 $2,727 6%Earned 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