High theft area home insurance FAQs

Your questions about insuring your home in an area targeted by burglars
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Can I get contents insurance if I life in a high theft area?

Do I live in a high theft area?

Will my home insurance cost more if I live in a high theft area?

Am I covered if I don’t have an alarm?


Can I get contents insurance if I life in a high theft area?

HomeProtect aims to provide an online quote for home insurance, provided your home stands on foundations, wherever it is in the UK.

Do I live in a high theft area?

You are probably aware of whether the area or even the street you live in is a high theft area! Homes in wealthy areas are often targeted more than those deprived areas due to the value of the items they are likely to contain, especially in the run-up to Christmas. And be aware that having a luxury car on your drive can make your home – as well as the car itself – a target.

There are a lot of statistics available on the Government’s data hub where you can look up data on different types of crime where you live.  You can also get specific crime statistics – including burglary – here.

Note: At HomeProtect we use a range of data when calculating premiums and our assessment of risk may vary from that you can find in Government data when calculating premiums online.

Will my home insurance cost more if I live in a high theft area?

Your home insurance premium depends on a large number of factors including the value of your contents, the types of locks on your doors, whether your home is occupied during the day, and also where it is. If you live in an area which has an above-average burglary rate, then your premium is likely to be higher that it would be for an otherwise identical situation in a low-theft area.

Am I covered if I don’t have an alarm?

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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I only stay with an insurance company if I think they are reliable, fair and efficient - from my experience HomeProtect ticks all the boxes. Trustpilot, 12 February 2017
Had to make a couple of changes from last year's policy... So spoke to the call centre who were absolutely brilliant.... very helpful, thank you. Trustpilot, 1 March 2017
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