Property Insurance Continues to Drive General Insurance Premiums

Strong Performance in Q3 2025

The property insurance segment remains the largest contributor to Indonesia's general insurance industry premiums. According to data from the Indonesian General Insurance Association (AAUI), property insurance premiums reached Rp 24.75 trillion in Q3 2025, representing a 5.4% year-on-year growth. This segment accounted for 29.2% of total general insurance premiums, which stood at Rp 84.72 trillion.

Expert Outlook for 2026

Industry expert Wahyudin Rahman predicts that property insurance will continue to be a primary driver of general insurance premiums in 2026. However, he notes that the growth is expected to be moderate compared to previous years. This forecast suggests a stable outlook for the general insurance industry, with property insurance maintaining its significant role.

Market Implications

The dominance of property insurance in the general insurance sector highlights the importance of this segment in the Indonesian insurance market. As the property market evolves, insurance companies will need to adapt their strategies to maintain growth in this critical segment.