The crime blackspot for thieves and burglars is Stoke Newington, North London (Postcode: N16), just a whisker ahead of Apperley Bridge, Bradford (BD101) and West Bromwich, West Midlands (B71).
More than 3 million insurance quotes over 12 months were analysed to find the data.
Overall, London, Leeds and Bradford scooped 14 out of the top 20 home theft blackspots -including seven from the top eight.
Julie Fisher, head of home insurance at moneysupermarket.com, who carried out the research, said: “Home is where the heart is, and there is no denying that a burglary in your home is an emotional and frightening experience. However, being in a higher risk area doesn’t necessarily mean where you live is bad or rife with crime – many thieves will target more affluent areas purely for the rewards on offer.
“No matter where you live there will always be an element of risk to the safety of your possessions so it is vital to have adequate home insurance in place.
“Properties classified as being in a ‘high-risk’ area – whether that be for crime, or something like flooding or subsidence – could see the price of cover affected. Unfortunately there is no escaping this and to make matters more complicated, there are no hard and fast rules which apply.
“Most insurers have a blanket approach when it comes to assessing postcode districts for home insurance premiums, but this really needs to change. If houses are evaluated on a case by case basis it would mean homeowners received quotes at the best possible prices based on their individual circumstances.”
Home insurers are urging property owners to take basic security precautions to protect their possessions – especially tools, toys and furniture left in gardens.
“Homeowners need to be extra vigilant when it comes to security – installing timers on your lights and ensuring items of value are kept away from your windows are easy steps to take to reduce risk,” said Fisher.