Burglary and home insurance

How burglary in your area can affect your home insurance

By Anita Shargall Thursday 15 February 2018

The more likely you are to claim on your home insurance, the more expensive your premium will be. Find out how often people in your area make claims for burglary and discover how you can get a cheaper quote by securing your home.

Man breaking into house

When you compare home insurance you will always be asked to give your address, and that’s because where you live affects the cost of your cover.

If you live in an area that has a high rate of burglary claims, you may find yourself paying more for home insurance than if you lived in an area where the number of claims is low.

Use our burglary hotspots search to discover how often your neighbours make a claim on their home insurance for burglary. All you need to do is enter your postcode and we’ll tell you what your chance of being burgled is and show you how your area ranks in relation to the rest of the country. You can even compare two different postcodes to see which area suffers from burglary the most.

Where are the burglary hotspots?

UK Rank

Postal Area Code

Postal Area

Rate per ‘000*



Guildford, Compton, Normandy, Woking, Pirbright, Worplesdon, Puttenham, Fairlands, Wood Street Village, Wanborough, Artington




Cambridge, Fen Ditton




















Oakwood, Leeds




Teddington, Hampton, Hampton Wick




Cambridge, Histon and Impington, Milton







*correct as of 31 December 2017

Why you should stay aware

Even if your area is low down on the list, it still pays to be vigilant. Many crimes are born of opportunity, so if a criminal sees an easy target they are more likely to strike – it doesn’t matter where you live.

There’s another compelling reason to stay vigilant: the list of burglary hotspots is always changing.  Guildford currently tops the list, but the year before it didn’t even feature in the top 20. Just because your area is currently low down on the list does not mean it will stay there.

The impact of burglary

The most obvious impact of burglary is having costly items stolen from your home, but there are other things that may have longer lasting after-effects than a missing TV.

Home insurance is there to cover the cost of big-ticket items that have been taken in a break-in, but it’s likely that smaller things with sentimental value will also be taken. There are some items that no amount of money will be able to replace.

Being burgled can also seriously affect your sense of safety. Your home is your kingdom and once that has been compromised it may be difficult to regain trust in your surroundings. Some people want to move home entirely after a burglary – and this will incur an entirely different set of costs.

And if you have to make an insurance claim for burglary, you’ll inevitably see your premiums become more expensive. Find out how previous claims affect your home insurance and remember to always shop around for a cheaper quote.

Burglary prevention

If you make your home more secure, you might be able to make further savings on your insurance. In any case, prevention is better than a cure, so you may want to install a few extra measures to try and prevent burglary from occurring.

There are some obvious rules that any occupant should follow. Always lock your doors and windows, even when you are in your property or have only popped out for a few minutes. Store your keys in a safe place and not in obvious places like under a doormat or a flowerpot. Keep valuables as out of sight as possible and secure outside spaces such as sheds.

Extra measures such as burglar alarms, security lights and timers on your indoor lights that give the illusion of occupancy are all great deterrents to potential burglars.

Always compare home insurance

Once your home insurance is up for renewal, make sure you shop around for the best deal. Don’t let your policy auto-renew and compare home insurance policies so you can save as much money as possible.

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