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Where to live with the least burglaries

Where to live with the least burglaries


Most people would like to live somewhere that has the lowest number of burglaries possible – with preferably none at all!

Recent data from Moneysupermarket has unveiled the places with the lowest burglary rates in the UK (Rate of burglary per 1,000 homes is given after the place name)


  1. Whitehaven, Cumbria – 0.76 (homes burgled per 1,000)
  2. Falmouth, Cornwall – 0.92
  3. Cockermouth, Cumbria – 1.08
  4. Aberystwyth, Ceredigion – 1.08
  5. Carlisle, Cumbria – 1.10
  6. Tavistock, Devon – 1.23
  7. Montrose, Angus – 1.24
  8. Norwich, Norfolk – 1.29
  9. Cowdenbeath, Fife – 1.32
  10. Lochgelly, Fife – 1.35
  11. Aylsham, Norfolk – 1.36
  12. Aysgarth, Yorkshire – 1.39
  13. Erskine, Renfrewshire – 1.46
  14. Chelsea, London – 1.48
  15. Mayport, West Cumbria – 1.48
  16. Aberdeen, Aberdeenshire – 1.54
  17. Llanelli, Carmarthenshire – 1.56
  18. Berwick-upon-Tweed, Northumberland – 1.57
  19. Kingsbridge, Devon – 1.59
  20. Creditin, Devon – 1.62



Moneysupermarket’s analysis of two million home insurance quotes reveals that, unsurprisingly, many of the safest places to live are in the more remote parts of the country. 

Top of the list is the fishing port of Whitehaven in Cumbria, which has a break-in rate of only 0.76 homes per 1,000. 

Second is another seaside resort, Falmouth, the town boasts a low theft rate of 0.92 per 1,000. 

Other places in the top twenty include Aberystwyth in Wales, Lochgelly in Scotland, Berwick-upon-Tweed in Northumberland and Kingsbridge in Devon.

As urban areas tend to have higher burglary rates than rural areas, it’s something of a surprise that the city of Norwich and the London borough of Chelsea also make the top twenty. Burglary rates are 1.29 per 1,000 and 1.48 per 1,000 respectively. 



Burglary rates rising again

Burglary rates, after falling for a number of years, are on the rise again. The most recent figures available from the Office for National Statistics show that theft from domestic property rose by 6% over the 12-month period to June 2018, with around 95% of these going unsolved.

Make sure you keep your property and belongings safe and secure. Leaving the lights on whilst you are out, keeping valuables out of sight or even investing in a security system may protect you.



How theft rates can impact you

It’s important to understand how the location of our home impacts your insurance cost before purchasing a house, or an insurance policy as the level of crime within an area, may correlate to insurance costs. Living somewhere that has a very high burglary rate could mean inflated insurance costs. There are many other factors that insurers also analyse in order to rate the risk of an insurance policy.

Most home insurers assess risk at a postcode level. This is inefficient because there are 1.7 million UK postcodes, which can include up to 100 properties per postcode.

Policy Expert’s technology innovation has the ability to precisely rate risks for individual properties. We use data enrichment at a unique property level to provide a ‘single property view’ which identifies the risks of distinct properties instead of postcodes.

Adam Powell, Chief Operating Officer, Policy Expert: “Our ability to identify risks for individual properties, as opposed to postcodes, has enabled us to offer customers fairly priced insurance policies for only the cover they need. This contributes to our market-leading renewal rates and recognition as the UK’s number one rated home insurance provider since 2013[1].”



Policy Expert

As an online insurer and broker, Policy Expert help our customers to compare insurance products and find a policy that’s right for them. Customer care is at the heart of everything we do and we have a dedicated customer service team on hand by phone, email, twitter and instant chat. For more information, you can call our experts on 0330 0600 600 or visit for more ways to reach us.


Published 31st October 2019


[1] Source: Review Centre, based on over 23,000 independent reviews