UK housing associations are navigating a changing insurance landscape. After several years of constrained capacity and rising premiums, market conditions are beginning to ease for well-presented risks. However, this shift sits alongside growing structural pressures that continue to influence insurer appetite and long-term sustainability.
The Social Housing State of the Market Report explores how these dynamics are shaping insurance outcomes across the sector, and where risk is becoming more concentrated as housing providers look ahead.
Key themes from the report include:
- The shift to a softer insurance market, driven by returning capacity and increased competition
- Rising exposure to environmental and climate related losses
- Ongoing underinsurance, regulatory pressure and supply chain challenges
- The growing importance of data quality, sustainability and cyber resilience
Together, these insights provide a clear view of the forces shaping social housing risk and the considerations organisations need to keep in focus as the market continues to evolve.
