Far away in the lush green gras of Hobbiton, Bilbo has a secret weapon against enemies trying to steal his precious ring. It may not be as impressive of dramatic as the methods he uses in the films but his house insurance policy saves him a lot of time, grief and money when something goes wrong.

Unfortunately the Baggins household doesn’t feature a burglar alarm, but it can still be insured against theft. This specialist insurance policy means that Bilbo can go away for weeks at a time without worrying about the safety of his hobbity home, resulting in many exciting adventures for the big...