Property
Growth
Amounts are always in euros: this changes how growth is measured, nothing else.
How growth is measured →By market
Premium in the line, its weight in each market, growth, the leader and the market's ratios after reinsurance (gross, marked, where insurers with half the line's premium give no net figures). Ratios marked ≈ are approximate and leave out expenses. Top three = the three largest insurers' share of the line. Select a heading to sort.
All figures
Five years
Premium, all markets
Combined ratio, largest markets
By market and year
What's happening
Short notes on property in the region, in Polisa's words, each with its source and date. Updated 20 Oct 2026.
Storm Boris: €2.15bn insured. PERILS' final estimate of insured losses from the September 2024 Central European floods is €2,153m, up from an initial €1,886m.
PERILS · 22 Sep 2025Czech flood bill still rising. Two years on, Czech insurers estimate the 2024 flood losses at CZK 21.24bn, up 2.7% on the previous estimate; almost CZK 18bn is paid and businesses account for CZK 12.3bn.
ČAP · 15 Sep 2026Czechia's worst fire year in a decade. Fire claims reached CZK 4.7bn in the first nine months of 2025, up 117% in value (claim count +11%), driven by large industrial fires.
ČAP · 10 Dec 2025Romania's mandatory home cover grows. Active PAD policies rose 9.4% to almost 2.5 million by end-July 2026, and the pool PADROM raised its reinsurance cover to €2bn for 2026–2027.
Economedia, Agerpres · 6 Sep 2026Only a quarter of natural catastrophe losses are insured. EIOPA's chair said about 25% of EU natcat losses have been insured over past decades; a diversified European pool could cut the capital needed by up to 67%.
EIOPA · 10 Jun 2026
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Hungary: crop insurance up 16%. Farmers spent HUF 28.9bn on crop insurance in 2025, almost all on policies with a state subsidy that refunds up to 70% of the premium.
AKI · 15 Apr 2026Czech crop subsidy programme from 2027. The farm fund PGRLF pays small and medium farms 10–65% of crop and livestock premiums and has announced a new programme from 2027 covering 10–45%.
PGRLF · 20 Oct 2026
Largest insurers in Property
All figures
Share of line = the insurer's share of this line in its own market. Ratios after reinsurance (net claims and expenses over net earned premium, S.05.01) where the insurer gives them, else gross, marked; lines under €1m earned are left out. Green below 95%, amber 95–100%, red above 100%.