High Theft Area Insurance

  • 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

Emily Young

Reviewed by

Emily Young

Content & Digital Marketing Executive

Less than 1 minute

Updated: 4 Dec 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?

Our home insurance covers insured events like: 

  • Fire and smoke 
  • Flood and storm 
  • Theft and attempted theft 
  • Escape of water or oil 
  • Malicious damage 
  • Subsidence, landslip, and heave 
  • Falling trees or branches 
  • Vehicle collisions or damage caused by emergency services 

This includes the structure of your main home, outbuildings (such as summer houses and sheds), and permanent outdoor features like patios, driveways, paths and boundary walls. Your contents are also protected, including furniture, electronics, clothing and kitchenware — even those stored in garages, sheds or other outbuildings. 

What we offer

Emergency help when you need it most 

If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard. 

  • We aim to get an engineer to you within four hours 
  • For serious water leaks, we’ll try to have a plumber with you in two hours

Response times may vary during extreme weather. Policy terms and claim limits apply.

5 star rated cover

Our insurance has received the highest rating from independent financial researchers, Moneyfacts. 

Repair guarantee

We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year. 

New for old

Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement. 

Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe. 

What isn’t covered?

There are some things we can’t cover, including: 

Gradual damage, wear and tear, or issues you knew about but didn’t fix 

Faulty design, construction, or workmanship.

Damage caused by poor maintenance or neglect

Items you don’t own or aren’t legally responsible for 

Items stolen from unoccupied vehicles  

Damage caused by pets.

Mechanical or electrical breakdown

Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled. 

72% Saved money when they switched to Homeprotect*

*Survey data of 1,089 buying customers from 30th October – 12th November 2024

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

Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.

up to £1 million

(more cover available if you need it) 

Contents cover

Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.

from £25,000

Alternative accommodation

We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.

up to £75,000 (Buildings)

up to £10,000 (Contents)

Home emergency

Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss. 

up to £500

Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss. 

up to £25,000

Trace and access

We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.

up to £10,000

Outbuildings cover

Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.

from £20,000

Liability cover

Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.

up to £5 million

Personal possessions

Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).

Optional

Gadgets, bikes and valuables away from the home

Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home. 

Optional

Accidental damage

Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. 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

Yes. Areas with a higher risk of claims (e.g. flooding or burglary) may have higher premiums. 

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.

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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.

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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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