Burglary, Theft and Security Risks

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Burglary, Theft and Security Risks

Security is mostly about removing easy opportunities and protecting the possessions that matter most.

Home security is easier to improve when the weak point is identified precisely, whether that is a door, shed, bicycle store, key routine or an obviously empty property.

Guides in this section

What Does Home Insurance Cover After a Burglary?Contents insurance can cover stolen belongings, while buildings insurance may cover damage to doors or windows caused during the break-in.Are Tools and Bicycles in a Shed Covered by Home Insurance?Often, but outbuildings usually have their own contents limit. A shed or garage may also have to be locked in a particular way for theft cover to apply.Is My Bicycle Covered by Home Insurance if It Is Stolen from My Shed?It may be. Many contents policies cover bicycles kept in a locked shed or garage, but there can be a separate bicycle limit or security requirement.Does Home Insurance Cover Stolen House Keys?Some policies pay towards changing locks after keys are stolen, especially when the keys can be linked to your home.Does Home Insurance Cover Vandalism?It can. Malicious damage is commonly covered, but cover may be reduced if the property has been empty for longer than the policy allows.

Why this category matters

The guides here avoid a one-size-fits-all security checklist and instead address the circumstances of each type of theft or malicious damage.

Insurance questions also differ between theft from the main home, valuables, bicycles and possessions kept in outbuildings.

Insurance should follow the risk

Once the avoidable problems have been dealt with, compare policies on the parts that genuinely matter for your home. Limits and exclusions can be more important than a small difference in premium.

Choose a guide

The pages above are deliberately specific so that you can read about one risk without having to work through generic home-insurance material.