Premiums on home insurance are higher in areas which are more at risk of crime, it has been claimed.

According to Liverpool Victoria, consumers should expect to pay more for cover if they are more likely to be robbed.

But spokesperson for the financial services provider Emma Holyer warns that it is "ever so important" to obtain insurance - and even more so if you are at risk.

For residents who find their premiums are too high to afford, secured loans could provide funds to meet such costs.

Ms Holyer comments: "Your home insurance premium is rated on a number of factors.

"The likelihood of getting burgled is clearly a big factor in that - and that is driven by your post code."

With an average of £25,000 in contents left in homes, secured loans might be one way for homeowners to meet the cost of replacing any possessions which are stolen.ADNFCR-1287-ID-18386012-ADNFCR

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