{"id":95835,"date":"2026-09-21T11:54:09","date_gmt":"2026-09-21T09:54:09","guid":{"rendered":"https:\/\/codeoscopic.com\/?p=95835"},"modified":"2026-09-21T11:54:09","modified_gmt":"2026-09-21T09:54:09","slug":"hogar-de-las-subidas-de-doble-digito-a-la-moderacion-de-precios","status":"publish","type":"post","link":"https:\/\/codeoscopic.com\/en\/hogar-de-las-subidas-de-doble-digito-a-la-moderacion-de-precios\/","title":{"rendered":"Hogar: de las subidas de doble d\u00edgito a la moderaci\u00f3n de precios"},"content":{"rendered":"<ul>\r\n \t<li>\r\n<h3>As\u00ed ha evolucionado la prima media de nueva producci\u00f3n por modalidad (B\u00e1sico, Est\u00e1ndar y Premium) entre enero de 2025 y agosto de 2026.<\/h3>\r\n<\/li>\r\n<\/ul>\r\n<p class=\"justify mb-10\">El ramo de Hogar cierra un ciclo de veinte meses que resume la trayectoria reciente de buena parte del mercado asegurador espa\u00f1ol: un arranque de 2025 con subidas de precio todav\u00eda muy pronunciadas, una desaceleraci\u00f3n progresiva a lo largo del a\u00f1o y una entrada en terreno de bajadas interanuales durante el primer semestre de 2026, antes de estabilizarse en valores cercanos a cero en los meses m\u00e1s recientes.<\/p>\r\n<p class=\"justify mb-10\">El an\u00e1lisis, centrado en la prima media de nueva producci\u00f3n del ramo Hogar y desglosado por sus tres modalidades de cobertura \u2014B\u00e1sico, Est\u00e1ndar y Premium\u2014, permite identificar patrones distintos seg\u00fan el nivel de protecci\u00f3n contratado, con implicaciones directas para la estrategia comercial y de suscripci\u00f3n de aseguradoras y corredores.<\/p>\r\n<p class=\"mt-20 pb-30\"><a href=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-2025-ago2026.jpg\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-95841\" style=\"margin-right: auto; margin-left: auto;\" src=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-2025-ago2026.jpg\" alt=\"Evoluci\u00f3n prima media Hogar 2025 y hasta agosto 2026\" width=\"650\" height=\"401\" \/><\/a><\/p>\r\n\r\n<h4 class=\"mt-20\">La prima media del ramo se modera tras un inicio de 2025 al alza<\/h4>\r\n<p class=\"justify mb-10\">En enero de 2025, la prima media de nueva producci\u00f3n del ramo Hogar se situaba en 278\u20ac, con un crecimiento interanual del +11,2%. Ese ritmo de subida se mantuvo elevado durante el primer trimestre \u2014con un m\u00e1ximo de +10,5% en marzo\u2014, para despu\u00e9s iniciar una desaceleraci\u00f3n constante mes a mes.<\/p>\r\n<p class=\"justify mb-10\">El punto de inflexi\u00f3n se aprecia con claridad a partir del verano de 2025: en agosto de ese a\u00f1o la variaci\u00f3n interanual ya hab\u00eda ca\u00eddo hasta el +0,7%, y en diciembre de 2025 se situaba en el 0%. La tendencia continu\u00f3 a la baja en el arranque de 2026, con variaciones interanuales negativas en enero, febrero y marzo (-2,8% los tres meses) \u2014el trimestre m\u00e1s bajo del periodo analizado\u2014, seguidas de abril (-1,8%).<\/p>\r\n<p class=\"justify mb-10\">Desde mayo de 2026 el ramo recupera terreno positivo, aunque de forma muy moderada: 0% en mayo, +1,1% en junio, +0,3% en julio y agosto. En t\u00e9rminos absolutos, la prima media del ramo pasa de 278\u20ac (enero 2025) a 281\u20ac (agosto 2026), un incremento acumulado de apenas el +1,1% en veinte meses, frente al ritmo de doble d\u00edgito con el que arrancaba el periodo.<\/p>\r\n<p class=\"mt-20 pb-30\"><a href=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Modalidades-2025-ago2026.jpg\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-95841\" style=\"margin-right: auto; margin-left: auto;\" src=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Modalidades-2025-ago2026.jpg\" alt=\"Evoluci\u00f3n prima media Hogar por modalidades 2025 y hasta agosto 2026\" width=\"650\" height=\"401\" srcset=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Modalidades-2025-ago2026.jpg 1057w, https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Modalidades-2025-ago2026-300x185.jpg 300w, https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Modalidades-2025-ago2026-1024x631.jpg 1024w, https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Modalidades-2025-ago2026-768x473.jpg 768w\" sizes=\"auto, (max-width: 650px) 100vw, 650px\" \/><\/a><\/p>\r\n\r\n<h4 class=\"mt-20\">Tres modalidades, tres velocidades<\/h4>\r\n<p class=\"justify mb-10\">El comportamiento agregado del ramo esconde trayectorias muy distintas seg\u00fan la modalidad de cobertura contratada:<\/p>\r\n<p class=\"justify mb-10\"><strong>Premium: la mayor subida inicial y tambi\u00e9n la correcci\u00f3n m\u00e1s intensa<\/strong>\r\nEs la modalidad que arranc\u00f3 el periodo con el crecimiento interanual m\u00e1s alto (+18,1% en enero de 2025, con un pico de +20,8% en febrero) y tambi\u00e9n la que protagoniza el giro m\u00e1s pronunciado: entra en terreno negativo en febrero de 2026 (-7,1%) y se mantiene mayoritariamente en negativo hasta agosto de 2026 (-4,1%), con solo un repunte puntual en julio (+2,9%). En t\u00e9rminos de prima media, Premium pasa de 391 \u20ac a 373\u20ac, un retroceso del -4,6% en el conjunto del periodo, el mayor de las tres modalidades.<\/p>\r\n<p class=\"justify mb-10\"><strong>Est\u00e1ndar: la correcci\u00f3n m\u00e1s sostenida en el tiempo<\/strong>\r\nEst\u00e1ndar parte de un crecimiento interanual m\u00e1s contenido que Premium (+9,8% en enero de 2025) pero es la modalidad que entra antes en negativo \u2014ya en agosto de 2025 (-0,7%)\u2014 y la que permanece m\u00e1s tiempo en esa zona: diez de los \u00faltimos doce meses del periodo analizado registran variaci\u00f3n interanual negativa, cerrando agosto de 2026 en -0,4%. En prima media, pasa de 270\u20ac a 272\u20ac, una variaci\u00f3n de apenas +0,7% en el conjunto del periodo, la m\u00e1s plana de las tres modalidades.<\/p>\r\n<p class=\"justify mb-10\"><strong>B\u00e1sico: la m\u00e1s vol\u00e1til, sin tendencia clara<\/strong>\r\nB\u00e1sico muestra el comportamiento m\u00e1s err\u00e1tico de las tres modalidades, con oscilaciones interanuales bruscas en ambos sentidos: tras arrancar en +14,7% (enero de 2025), llega a anotar una ca\u00edda puntual de -8,2% en mayo de 2026 \u2014el descenso interanual m\u00e1s pronunciado de todo el an\u00e1lisis\u2014 para recuperarse casi de inmediato hasta +3,9% en junio. Cierra agosto de 2026 en +0,9% interanual, con una prima media que pasa de 218 \u20ac a 213 \u20ac (-2,3% en el conjunto del periodo).<\/p>\r\n\r\n<div class=\"flex g-20 pb-30\">\r\n<p class=\"w-33 justify\"><a href=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Premium-2025-ago2026.jpg\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-95842 size-full\" style=\"margin-right: auto; margin-left: auto;\" src=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Premium-2025-ago2026.jpg\" alt=\"HOGAR Premium 2025-ago2026\" width=\"982\" height=\"600\" srcset=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Premium-2025-ago2026.jpg 982w, https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Premium-2025-ago2026-300x183.jpg 300w, https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Premium-2025-ago2026-768x469.jpg 768w\" sizes=\"auto, (max-width: 982px) 100vw, 982px\" \/><\/a><\/p>\r\n<p class=\"w-33 justify\"><a href=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Estandar-2025-ago2026.jpg\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-95844 size-full\" style=\"margin-right: auto; margin-left: auto;\" src=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Estandar-2025-ago2026.jpg\" alt=\"HOGAR Estandar 2025-ago2026\" width=\"982\" height=\"600\" srcset=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Estandar-2025-ago2026.jpg 982w, https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Estandar-2025-ago2026-300x183.jpg 300w, https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Estandar-2025-ago2026-768x469.jpg 768w\" sizes=\"auto, (max-width: 982px) 100vw, 982px\" \/><\/a><\/p>\r\n<p class=\"w-33 justify\"><a href=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Basico-2025-ago2026.jpg\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-95843 size-full\" style=\"margin-right: auto; margin-left: auto;\" src=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Basico-2025-ago2026.jpg\" alt=\"HOGAR B\u00e1sico 2025-ago2026\" width=\"982\" height=\"600\" srcset=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Basico-2025-ago2026.jpg 982w, https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Basico-2025-ago2026-300x183.jpg 300w, https:\/\/codeoscopic.com\/wp-content\/uploads\/2026\/09\/HOGAR-Basico-2025-ago2026-768x469.jpg 768w\" sizes=\"auto, (max-width: 982px) 100vw, 982px\" \/><\/a><\/p>\r\n\r\n<\/div>\r\n<h4 class=\"mt-20\">Conclusiones y claves de negocio para el sector asegurador<\/h4>\r\n<p class=\"justify mb-10\">El an\u00e1lisis de estos 20 meses de emisi\u00f3n de nueva producci\u00f3n aporta lecturas estrat\u00e9gicas fundamentales tanto para compa\u00f1\u00edas aseguradoras como para corredur\u00edas de seguros:<\/p>\r\n\r\n<ul>\r\n \t<li class=\"justify\">El ramo Hogar ha completado, en apenas veinte meses, el tr\u00e1nsito de un ciclo de fuertes subidas de precio a otro de precios pr\u00e1cticamente planos, con una fase de correcciones puntuales en el primer trimestre de 2026 (enero a marzo en negativo).<\/li>\r\n \t<li class=\"justify\">El ajuste no es homog\u00e9neo: Premium \u2014la modalidad de mayor prima\u2014 protagoniza la correcci\u00f3n m\u00e1s intensa, mientras que Est\u00e1ndar registra la m\u00e1s sostenida en el tiempo; ambas merecen especial atenci\u00f3n en la pol\u00edtica de renovaciones y retenci\u00f3n de cartera. B\u00e1sico, en cambio, no muestra tendencia clara sino alta volatilidad mes a mes, por lo que un solo dato puntual no debe tomarse como indicador de tendencia.<\/li>\r\n \t<li class=\"justify\">Con precios m\u00e1s contenidos tras dos a\u00f1os de fuertes incrementos, gana peso la selecci\u00f3n de riesgos y la diferenciaci\u00f3n por coberturas frente a la simple actualizaci\u00f3n de tarifas; para los corredores, esta moderaci\u00f3n puede adem\u00e1s convertirse en palanca comercial de captaci\u00f3n, siempre analizando cada modalidad por separado.<\/li>\r\n<\/ul>\r\n<p class=\"justify mb-10\">Este estudio ha sido elaborado utilizando datos de emisi\u00f3n real de tarificaci\u00f3n y contrataci\u00f3n procesados a trav\u00e9s de <a href=\"https:\/\/codeoscopic.com\/es\/workspace\/avant2\/\" target=\"_blank\" rel=\"noopener\">Avant2 Sales Manager<\/a> y analizados mediante tecnolog\u00eda Big Data con<a href=\"https:\/\/codeoscopic.com\/es\/workspace\/versus\/\" target=\"_blank\" rel=\"noopener\"> Versus Analytics<\/a>.<\/p>\r\n<p class=\"mb-30 mt-20\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-10472 size-medium m-center\" style=\"margin: 0 auto 20px auto;\" src=\"https:\/\/codeoscopic.com\/wp-content\/uploads\/2020\/11\/logo-cdscpc.svg\" alt=\"\" width=\"300\" height=\"300\" \/><\/p>","protected":false},"excerpt":{"rendered":"Evoluci\u00f3n de la prima media de Hogar en 2025 y hasta agosto de 2026 en Avant2 Sales Manager.","protected":false},"author":13,"featured_media":95947,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[324],"tags":[140,234,163],"class_list":["post-95835","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-evolucion-del-sector","tag-avant2-sales-manager","tag-codeoscopic-workspace","tag-versus-analytics"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One 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