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High Theft Area Insurance

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  • Buildings cover up to £1 million.
  • Underwritten by AXA Insurance.
  • Average quote time is only 10 minutes.
David Joyson

Written by

David Joyson

Home Insurance Expert & Customer Champion

Sophie Kamkar

Reviewed by

Sophie Kamkar

Content Marketing Manager

Less than 1 minute

Updated: 12 Mar 2024

Home insurance for high theft areas

Thieves often target areas of high wealth.

Often the most trendy and wealthy residential areas are those targeted by burglars. Homes in these areas, thieves assume, contain a lot of jewellery, gadgets, antiques, artwork and other desirable valuables.

If you live in a postcode with a high theft rate you’ll probably find it difficult to find suitable home insurance. Mainstream insurance companies will either refuse to provide a quote or quote a very expensive price with a very long list of exclusions and conditions. However, Homeprotect can help you.

Burglary insurance key points

No-one wants to invite thieves into their home, even with the right insurance policy in place! So we recommend taking precautions to ensure you are doing as much as you can to secure your home from burglars, including:

  • Fitting secure locks to your main external doors (5 lever deadlocks conforming to BS3621).
  • Fitting key operated window locks on all windows.
  • Investing in a safe and storing your jewellery and other small valuables in there at all times.
  • Install a monitored alarm at the property.
  • Install security lighting at vulnerable points around the property.
  • Request a property security audit, either contact your local police station or a private security firm who will recommend any other steps you specifically need to take at your property to deter thieves.

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What’s covered by BUILDINGS & contents insurance?

Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.

It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.

What we offer

Quick home emergency response times

Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.

Extreme weather conditions may extend response time. Policy terms and claim limits apply.

5 star rated buildings cover

Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.

Repair guarantee

Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.

New for old

Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.

Legal advice

We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.

What isn’t included?

Damage cause gradually, or by wear and tear, or by failure to fix a known issue.

Faulty design or poor workmanship.

Damage caused by pets.

The cost of repairing or replacing items following a mechanical or electrical fault.

Lost items.

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buildings & Contents Insurance Cover Levels

Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.

Buildings cover

Covers the main structure of your home if you need to rebuild or repair it.

up to £1 million

(eligibility criteria applies)

Contents cover

Covering the value of all your possessions in the home, on a new for old basis.

from £25,000

Alternative accommodation

For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.

up to £85,000

Home emergency

Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.

up to £500

Family legal protection

Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.

up to £25,000

Trace and access

Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.

up to £10,000

Outbuildings cover

Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).

from £20,000

Liability cover

Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.

up to £5 million

Personal possessions

Cover for portable items that you take out of your home, like bags, clothes and sports equipment

Optional

Gadgets, bikes and valuables away from the home

Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes) and valuables (e.g. watches and jewellery) that you take out of your home.

Optional

Accidental damage

Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.

Optional

New Customer?

If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.

Existing Customer?

Your Questions Answered

Homeowners can take some steps to reduce the cost of their insurance premium:

• Install security features; burglar alarms, fire alarms and even CCTV can all make a difference to your premium.

• Invest in specialist paints like flame retardant coatings.

• Regularly clearing gutters of debris and checking for damp or cracks in the structure can also keep you aware of issues before they escalate.

• Get an accurate rebuild cost; this is not the market value of your home. You should arrange for a chartered surveyor to give you an accurate figure instead of over-estimating the value of your home and paying more than you need to.

• Pay annually, if you can afford it.

• Increase your voluntary excess; it can be anything between £50 and £900.

• Look into flood resistance measures if you live in a flood risk area.

• Slim down your cover to suit your needs; do you really need to take out accidental damage cover, legal cover, home emergency cover and lost key cover?

• Think twice before making a claim; if it’s a minor repair which you can afford then making your own arrangements might be better to protect your no claims discount.

• Inform your insurer of safety measures you have installed at the time of comparing quotes or taking out a policy.

High risk items worth £1,500 or more individually or as part of a collection. Bikes and electronic gadgets (mobile phones, smart watches, laptops, tablets) worth £1500 or more each. To insure any of these items you must list them individually when you take out the policy. You just need to tell us the brand name, model name and cost to replace it new for each item.

Contents insurance does not cover fixtures ( items that are permanently attached to the interior or exterior of your home or outbuildings, such as kitchen or bathroom suites) but it does cover fittings (removable items that are attached to the interior or exterior of your home and outbuilding, such as carpets).

Yes, we offer cover for general personal possessions anywhere in the world. This cover is for theft of and physical damage to items individually worth less than £1,500, that are likely to be worn, carried or used by you away from the home, such as bags, clothes and sports equipment. Electronic gadgets (e.g. Mobile phones, tablets, headphones, laptops), bikes, high risk items and items worth £1,500 or more will need to be specified on your policy. 

We exclude cover from unoccupied vehicles.

Where we require you to have an alarm because you live in a high theft area, there will be an endorsement that states you need to fit one within 30 days of the start of the policy. If this endorsement is included on your policy, you will only be covered for theft after this period if you have had an alarm fitted and it is in use.

View more FAQs

Additional Cover Options

Accidental Damage

The Homeprotect policy includes the option of Basic Accidental Damage, which covers electrical home entertainment equipment (such as desktop computers and monitors, DVD and Blu-Ray players, gaming consoles, home cinema systems, sound systems and TVs) up to £1,500 per claim. An upgrade …

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Legal expenses cover

The insurance policy includes Basic Legal Expenses cover which provides up to £25,000 for legal fees you may face for disputes associated with your home; such as ownership of the insured property; and the sale or purchase of the insured property. You can upgrade to Full Legal Expenses cover.

Learn More

Home emergency cover

The insurance policy includes Basic Home Emergency cover which provides cover for common home emergencies including burst pipes; failure of the domestic power supply (gas or electricity); and removal of pests or vermin. You can upgrade to Full Home Emergency to include cover for roof …

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