Combined ratio for home insurance in France 2012-2023

In France, the combined ratio for home insurance increased to 103.1 percent in 2023, despite remaining under 100 until 2021. The combined ratio for home insurance amounted to 105 percent in 2012, as compared to 2021, during which it equaled 98.3 percent, meaning that French home insurance companies received more in premiums than they paid out in claims. A ratio below 100 percent shows that an insurer is making a profit from underwriting insurance.

在法国，截至2023年，家庭保险的综合比率上升至103.1%，尽管直至2021年该比率仍保持在100%以下。2012年家庭保险的综合比率为105%，相比之下，2021年的比率则为98.3%，这表明法国的家庭保险公司所收取的保费超过了赔付的索赔金额。当比率低于100%时，表明保险公司从承保保险中获得了利润。