Products & Services · 4th Year
Property Insurance — 4th Year
The Hartford Financial Services Group Property Insurance — 4th Year increased by 28.2% to 5.0% in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 28.2%, from 3.9% to 5.0%. This increase may warrant attention — for this metric, lower values are generally preferred.
Analysis
StatementSegment
CategoryEfficiency
SignalLower is better
VolatilityStable
First reportedQ4 2018
Last reportedQ4 2025
How to read this metric
Minimal development at this stage indicates that the initial reserve estimates were accurate and that the claims are settling as expected.
Detailed definition
This metric tracks the loss development for the fourth year of an underwriting cohort, reflecting the ongoing settlement...
Peer comparison
Standard in insurance loss development triangles, often referred to as 'Accident Year 4' or 'Development Year 4'.
Metric ID:
hig_segment_property_insurance_4th_yearHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | 3% | 3.4% | 3.5% | 3.9% | 5% |
| QoQ Change | — | +13.3% | +2.9% | +11.4% | +28.2% |
| YoY Change | — | +13.3% | +2.9% | +11.4% | +28.2% |
Range3% – 5%
CAGR+66.7%
Avg YoY Growth+14.0%
Median YoY Growth+12.4%
Current Streak4+ quarters growth
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Frequently Asked Questions
- What is The Hartford Financial Services Group's property insurance — 4th year?
- The Hartford Financial Services Group (HIG) reported property insurance — 4th year of 5.0% in Q4 2025.
- How has The Hartford Financial Services Group's property insurance — 4th year changed year-over-year?
- The Hartford Financial Services Group's property insurance — 4th year increased by 28.2% year-over-year, from 3.9% to 5.0%.
- What does property insurance — 4th year mean?
- The loss and claim development performance for policies in their fourth year of coverage.