How Can Local Crime Rates Affect the Value and Enjoyment of a Home?

| June 24, 2013

When looking for your dream house, there are a number of factors to consider. Does the house meet your current and future needs? Does it have all the added extras you are looking for such as a garage, garden or driveway? You also need to consider what external factors need to be considered. These could be anything from local amenities to nearby schools and even crime rates in the area. In this article we take a look at how local crime rates can after the value and overall enjoyment of your home by investigating common types of crime.

Home Burglary

Home burglary usually occurs when no one is home and involves someone breaking into your house and removing valuable items. Home burglary can be very upsetting as it is a major invasion of privacy and items taken often hold sentimental value as well as monetary value. If home burglaries are common in the area you live in or the area you wish to buy a house in, you need to not only consider how you can help to keep your home safe but how you would feel if theft occurs. Trying to sell a house in an area known for a high home burglary crime rate can be very difficult and lead to lower selling prices.

Local crime

Local crime

Home burglaries are so common in some areas that there are anti-burglary police patrols

Car Burglary

Some areas in the UK are subjected to a high car burglary level. This usually means that you return to your car or van to find that windows are smashed, doors prised open and things are stolen such as car radios, satellite navigation systems and anything else that you have left in your car. Although living in an area with high car burglary rates is not desirable, it is not as disheartening as home burglary and there are a number of measures that can be taken to protect your vehicle such as housing it in a garage, installing a car alarm or ensuring that no valuables are kept in your car.

Car crime

Car crime

Car crime can keep insurance premiums high

Car Theft

Car theft is less common than car burglary but is still common in some areas of the UK. Instead of just breaking into your vehicle, car theft involves driving the vehicle away instead of removing items from it. Sometimes the cars are sold on to be given different plates, whilst at other times they are simply used for joyriding and then disposed of, usually by setting light to them. As with car burglary, there are ways of trying to ensure the safety of your car such as secure parking, alarms and immobilisers.


Less common but still with a high crime rate in some areas is assault. This may involve you or a family member being physically attacked in certain areas as a result of your race, beliefs or any other reason the assailant chooses. The value of houses in areas associated with high assault rates are typically quite a bit lower than similar houses in other areas. Living in a house in an area where assault rates are high can be frightening and reduce your enjoyment of life.


Drug offences such as selling and using are unfortunately increasing and in certain areas, this can affect the desirability of houses, leading to lower values and it making them harder to sell.

There are a number of ways to check the crime rates in your area or the potential area you are looking to buy a house in which can give you peace of mind that you are making the right decision when it comes to choosing where to live.

Image credits: West Midlands Police and Raleigh woman

How Can Local Crime Rates Affect the Value and Enjoyment of a Home?

Category: Insurance

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