Products & Services · 3rd Year
Property Insurance — 3rd Year
The Hartford Financial Services Group Property Insurance — 3rd Year decreased by 1.1% to 9.4% in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 1.1%, from 9.5% to 9.4%. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityModerate
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Consistency in development at this stage suggests robust reserve adequacy and stable underwriting performance.
Detailed definition
This metric tracks the loss development for the third year of an underwriting cohort, providing a more mature view of cl...
Peer comparison
Standard in insurance loss development triangles, often referred to as 'Accident Year 3' or 'Development Year 3'.
Metric ID:
hig_segment_property_insurance_3rd_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 7.7% | 7.4% | 7.2% | 9.5% | 9.4% |
| QoQ Change | — | -3.9% | -2.7% | +31.9% | -1.1% |
| YoY Change | — | -3.9% | -2.7% | +31.9% | -1.1% |
Range7.2% – 9.5%
CAGR+22.1%
Avg YoY Growth+6.1%
Median YoY Growth-1.9%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's property insurance — 3rd year?
- The Hartford Financial Services Group (HIG) reported property insurance — 3rd year of 9.4% in Q4 2025.
- How has The Hartford Financial Services Group's property insurance — 3rd year changed year-over-year?
- The Hartford Financial Services Group's property insurance — 3rd year decreased by 1.1% year-over-year, from 9.5% to 9.4%.
- What does property insurance — 3rd year mean?
- The loss and claim development performance for policies in their third year of coverage.