New Zealand’s burglary hotspots
How likely is your home to be broken into based on where you live? Finder crunched the numbers to find the New Zealand cities most at risk of burglary.
A Finder analysis of New Zealand Police data found that over 200,000 homes were broken into between January 2017 and March 2020. Find out how your home city compares and how to stay protected.
In 2019, there were 68,765 break-ins across New Zealand.
The region with the highest number of burglaries overall was Auckland City, with a whopping 21,530 homes broken into between January – December 2019. This is approximately 14 burglaries per 1,000 people.
In second place was Christchurch City with 7,066 burglaries overall, or 19 burglaries for every 1,000 people. This was followed by Hamilton City with 3,200 burglaries, or 11 burglaries per 1,000 people.
Number of burglaries by year
City 2017 2018 2019 2020 (Jan-Mar) Total Auckland City 22,239 20,533 21,530 7,753 72,055 Christchurch City 6,172 7,057 7,066 2,687 22,982 Hamilton City 3,568 2,950 3,200 1,304 11,022 Wellington City 2,024 1,615 2,150 869 6,658 Tauranga City 1,708 1,603 1,700 605 5,616
Source: NZ Police, Finder
Areas with the highest proportion of break-ins per person
In 2019, the area with the highest proportion of home burglaries in relation to population was Opotiki District. During this period, there were 29 burglaries for every 1,000 people.
This was followed by Napier City, with 25 burglaries per 1,000 people (1,535 overall) and Wairoa District with 24 burglaries per 1,000 people (198 overall).
Top break-in areas in 2019 (in proportion to population)*
Rank Area Break-ins Break-ins per 1,000 people 1 Opotiki District 265 29 2 Napier City 1,535 25 3 Wairoa District 198 24 4 Rotorua District 1,672 23 5 Taupo District 814 22 6 Horowhenua District 728 22 7 Thames-Coromandel District 663 22 8 Hauraki District 441 22 9 Far North District 1,398 21 10 Ruapehu District 225 21
Source: NZ Police, Finder
Area with the lowest proportion of break-ins per person
The area where you’re least likely to be burgled is Queenstown-Lakes District, where there are just 5 burglaries for every 1,000 people.
A closer look at break-ins
This is the most common time for a break-in to occur, according to Finder’s analysis of NZ Police data. This is followed by Sunday nights from 1am to 3am.
Breakfast time on any of these days is when you’re least likely to fall victim to a burglary.
This is the proportion of Kiwis that wouldn’t purchase a home if it was located in a neighborhood with an above-average crime rate.
How house and contents insurance can help
What would you do if someone broke into your home and swiped your TV? How upset would you be if they smashed a glass window in the process?
No insurance policy in the world can prevent your home from being broken into. But if you do fall victim to a burglary, house and contents insurance will generally cover you for any financial loss incurred as a result.
What you’re covered for and the amount your insurer will pay depends on the type of policy or level of cover you take out.
What is the difference between house insurance and contents insurance?
House insurance covers structural damage to your property, as well as items that are permanently attached to your home such as sinks, windows, and doors. Contents insurance covers personal belongings like your laptop, TV, jewellery and furniture.
You can purchase house or contents insurance separately or bundle them together to maximise your cover.
How much am I covered for?
Some policies will pay you out based on the replacement value of the stolen items, whereas others will cover the current depreciated value of the stolen items.
When you take out insurance, you’ll need to choose an amount you will be covered up to. This is called your sum insured. If you want to be completely covered, you’ll need to choose an amount that would allow you to replace everything from scratch.
It’s important to find a policy that best suits your current situation. You can compare house and contents insurance here.
Anastasia Lloyd is a communications coordinator at Finder. She has previously worked in the banking sector and has written about a range of financial topics including mortgages, personal loans, savings and credit cards. Ana has a Bachelor of Arts in Media from Macquarie University.