Find out how burglary and theft can affect your home insurance and how you can reduce the chances of being burgled
It's important to find the right home insurance to provide cover against burglary and theft.
Different policies provide different levels of protection, but most home insurance products will usually cover the cost of replacing items stolen from your home.
What you’ll be covered for will depend on the policy you take out and any high-value items you’ve listed separately.
Yes, your home insurance will usually cover you for burglaries that happen while you’re away.
But when you’re taking out a policy you’ll be asked to take steps to reduce the chances of a break-in.
For example, your home insurance won’t be valid if:
Not necessarily. Some policies will cover your belongings when you’re out and about, but others don’t.
Typically, you’ll need to buy a personal possessions cover add-on to your policy to protect your possessions when they’re outside your home.
Also known as cover away from home, this type of protection covers items you’re likely to take out with you - like phones, watches, jewellery, laptops and sports equipment.
However, there’s usually a single article limit for high-value items - this is the maximum you can claim for any one item.
For example, to cover items worth more than £1,500 when you’re away from home, you’ll often need to add them separately to your policy for them to be insured for their full value.
Stay at a safe distance if you think intruders are still inside. You’ll need to let the police know what’s happened and ask for a crime reference number
Wait for the police to get in touch. When you can, try to video or take photos of the damage and list everything stolen
Report any missing bank cards and cheque books immediately, also report any missing passports, driving licences and other important documents
Contact your provider within 24 hours of discovering the burglary - they’re likely to ask for your crime reference number, so have it to hand
Fix broken windows or door locks straightaway, check with your insurer whether they’re covered under your policy and keep any repair receipts
Most home insurance policies will cover your garden goods and items you keep in your shed and garage. But the level of cover will vary depending on the policy you buy.
What you keep in the garden and things you store in sheds and garages can be easily forgotten when you’re adding up the value of your contents.
To make sure you’re not underinsured take a close look at what’s there - the cost of replacing garden furniture, power tools, bicycles and lawnmowers etc. can soon add up.
Some insurers will only cover outdoor items if they’re locked away overnight, which is often the case for bikes and gardening tools, so check your policy.
Yes, where you live can play a big part in how much your premiums will cost.
If you live in an area where there’s a high crime rate, it’s likely you’ll pay more than living in a low-crime neighbourhood.
To check if you’re living in a high crime rate area and to see the levels of theft in your neighbourhood, you can take a look at the crime rate website.
According to the Office for National Statistics (ONS), police recorded a 19% decrease in burglaries in the year ending June 2022, compared to the year ending March 2020.
But theft rates vary a lot depending on where you live.
When you’re applying for a home insurance quote, insurers will look at your postcode and the crime rate in your area to work out how much your premiums will be.
There are lots of things you can do to help burglar-proof your home and garden, make your property safer and reduce your risk of theft:
 According to ABI.org.uk in 2018