Average combined home insurance premium priced in Bitcoin: 2015 to 2025
Priced in fiat
Priced in sats
Average combined home insurance premium (per year) cost £300 in 2015 and £395 in 2025, a change of +32% in pounds across 10 years. The figures are annual averages from Association of British Insurers, average combined buildings and contents premium. The fiat peak in this series came in 2025 at £395.
Priced in sats, the same item went from 165,745,856 sats to 511,333 sats, a change of −99.7%. The conversion uses the yearly average BTC price for each matching year, never a rate from a different era. The least flattering single step for the sats series was 2021 to 2022, when this item moved +65% in sats terms. Short windows can and do run against the holder; the direction across the full series is what the chart shows.
Home cover drifted for years, then repriced sharply as rebuild costs and weather claims caught up with it.
Premiums compound quietly, year after year. The main page runs the same comparison across every category of household spending.
| Year | Pounds | Sats |
|---|---|---|
| 2015 | £300 | 165,745,856 |
| 2016 | £305 | 69,160,998 |
| 2017 | £300 | 10,493,179 |
| 2018 | £302 | 5,706,727 |
| 2019 | £306 | 5,201,428 |
| 2020 | £310 | 3,402,107 |
| 2021 | £300 | 863,409 |
| 2022 | £315 | 1,424,373 |
| 2023 | £340 | 1,439,093 |
| 2024 | £375 | 716,894 |
| 2025 | £395 | 511,333 |
Source: Association of British Insurers, average combined buildings and contents premium. Series pending external verification. Sats = fiat price ÷ BTC price in that currency × 100,000,000, using yearly average BTC rates. Data vintage 2026-07-04. Full method on the main page.