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NI Holdings NODK Home And Farm — Underwriting Expense Ratio
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Where this comes from
Reported directly by NI Holdings in its filing.
Tagged under the XBRL concept us-gaap:UnderwritingExpenseRatio.
The source filing: NI Holdings’s 10-Q, filed August 7, 2026.
- Filed
- Aug 7, 2026, 4:06 PM EDT
- Fiscal quarter
- Q2 FY2026
- Calendar quarter
- Q2 2026
- Accession
- 0001174947-26-000777
| Line item | Private Passenger Auto | Non-Standard Auto | Home and Farm | Crop | All Other | Total |
|---|---|---|---|---|---|---|
| Net income (loss) | $146 | |||||
| Operating Ratios: | ||||||
| Loss and loss adjustment expense ratio | 57.4% | (161.8%) | 108.5% | 73.0% | 23.3% | 74.5% |
| Expense ratio | 34.3% | 97.6% | 36.0% | 18.8% | 31.9% | 33.2% |
| Combined ratio | 91.7% | (64.2%) | 144.5% | 91.8% | 55.2% | 107.7% |
| Balances at June 30, 2026: | ||||||
| Premiums and agents’ balances receivable | $26,595 | $15 | $12,479 | $34,763 | $3,937 | $77,789 |
| Deferred policy acquisition costs | 7,099 | 16 | 11,276 | 1,815 | 1,689 | 21,895 |
Item 1. - Financial Statements
FAQ
- What is NI Holdings's home and farm — underwriting expense ratio?
- NI Holdings (NODK) reported home and farm — underwriting expense ratio of 36% in Q2 2026.
- How has NI Holdings's home and farm — underwriting expense ratio changed year-over-year?
- NI Holdings's home and farm — underwriting expense ratio decreased by 9.3% year-over-year, from 39.7% to 36%.
- What does home and farm — underwriting expense ratio mean?
- This ratio represents the percentage of net premiums earned that is consumed by the costs of acquiring, writing, and servicing home and farm insurance policies. It reflects the operational efficiency of the segment's administrative and distribution functions. Lower ratios indicate that the company is managing its overhead and acquisition costs effectively relative to its premium volume.
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