Insurance costs are taken from crime statistics and insurance claims. Nobody I know has insurance.
the problem is that this data is completely off-radar. The Coventry people are incredibly insular and untrusting. The idea is that you are either alone, or with your community- if you're community rejects you because you don't like their kids putting rotting fish in your letter box (for example) then you're on your own.
People don't get insurance because they think that by declaring their assets they invite people who work in the insurance firms to sell that information to burglars. (which does happen occasionally).
Crime goes mostly unreported because the police are untrusted, even if they had extremely noble intentions the people in coventry are a black box in terms of information- nobody will "snitch" on anybody else.
if someone was caught snitching then that person becomes one of the "rare" cases of a stabbing or extreme coersion to leave the city. (punctured tires, cutting brake lines, random people coming to kick your door in late at night and leaving without coming in, etc)
Your statistics lie about coventry, which is my point entirely.. the problem can't be fixed because there is no statistics on the problem to begin with. Although those in the West Midlands tend to avoid Coventry except for a shopping visit.
As much as it's anecdotal, I can think of a LOT of people I know who had to leave Coventry, I should show you a cross section of the people I went to school with- Crime is a way of life there, it's not even seen as "Crime" it's just.. it just is, you know it's a crime and the police become your enemies, but they were never your friends to begin with.
Anyway, I've been on the wrong side of the law, but as soon as my environment changed I was -able- to become an upstanding person.
Your stats are lying, and I'm not trying to upset or offend you but there are places like Coventry all over the world.. unquantifiable by normal statistics.