Contents insurance risk in Caerphilly

Caerphilly has a Gera Contents Risk Score (GCRS) of 3/10 (Low risk). The combined theft and robbery rate is 29.2 incidents per 1,000 residents per year — 42% below the England & Wales average of 50.3/1,000. Source: Home Office CSP crime data, 2024/25.

The Gera Contents Risk Score combines two Home Office offence categories — 'Theft offences' (28.6/1,000) and 'Robbery' (0.6/1,000) — and divides by ONS mid-2023 population. The resulting rate per 1,000 is percentile-ranked across all 310 Community Safety Partnerships to produce a 1–10 band. Caerphilly ranks #221 of 310.

With a theft rate of 28.6 per 1,000 residents (2024/25), Caerphilly is classified as GCRS 3/10 (Low contents risk). This is below average for England and Wales. Contents-insurance premiums are influenced by many factors beyond this rate.

Area crime statistics are one of many factors considered by insurers when pricing contents insurance. Higher theft rates generally correlate with higher premiums, but insurers also weigh your specific address, security measures, property type, and claims history. A GCRS of 3/10 gives you a data-driven starting point for understanding your area's risk profile.