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Home insurance burglary claims hotspots revealed

MoneySupermarket research uncovers riskiest areas

Houses and burglary

New home insurance research from price comparison site MoneySupermarket reveals that homeowners in parts of London, Leeds and Bradford are most likely to make a burglary or theft claim.

The analysis looked at the 3.5 million home insurance quotes run on the comparison site over the last 12 months. As well as claims research, MoneySupermarket carried out price checks to show that people living in higher-risk postcodes will pay around a fifth more for their home insurance.

Home insurance claims for burglary or theft

The research found LS13 in Leeds, made up of Bramley, Gamble Hill, Moorside, Rodley and Swinnow, takes the top spot overall in terms of theft claims per comparison site enquiry, followed by BD12 (Low Moor, Oake and Wyke) in Bradford. 

The suburb of North Finchley (N12) in London came third. Eccles in Manchester (M30) also featured in the top 10, coming in at number four, followed by Harold Wood, Harold Hill and Noak Hill in Romford (RM3) in fifth position.

At the other end of the scale, homeowners in SA9 in Swansea, SA62 in Pembrokeshire and LA14 in Cumbria are amongst those least likely to have made a home insurance claim. Postcodes in Devon, Cornwall and Norfolk also appeared near the top of the low claim list.

Cutting your home insurance costs

Hannah Jones, home insurance expert at MoneySupermarket, said: ‘While there are clearly some areas of the country with a higher proportion of insurance claims for burglary than others, this doesn’t actually mean the area is ‘rife’ with crime. Thieves often specifically target areas with wealthy residents, or quieter areas where there’s not a lot of passing foot traffic.

‘No matter where your house is, homeowners should take precautions when it comes to security – keeping doors and windows locked when you’re asleep or your home is unoccupied, installing timers on your lights and ensuring items of value are kept away from easy view through windows, are simple things that can reduce risk.’

Which? home insurance expert Paul Davies added: ‘The research is a timely reminder that home contents insurance, although not compulsory, is essential to cover your belongings against the threat of theft or burglary. Adding extra security features to your house can minimise the risk and can also secure premium discounts from some insurance companies.’

More on this…

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  • Valuing your contents for house insurance – tips to making sure you’re covered
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