Your home insurance provider will require you to have a specific standard of locks on your doors and windows. By not meeting these requirements you would be at risk from being denied insurance pay-outs when making a claim, and your items may not be covered by your insurer.
It’s important that you are aware of the standard of locks you agreed to in your home insurance policy. Let's discuss this in further detail.
What type of locks does my Home Insurance Policy require?
Many insurers require mortice locks as these add high security to your home. By getting the best locks fitted you can save money on your insurance over time.
Here are five types of locks for your home
1. Five-lever Mortice Deadlock
This is the most common option of locks, as it is very secure. The locks can provide moderate protection for the front and back doors. Conforming to the current British standard BS3621 is often as standard to be covered by your insurer.
2. Key-operated Multi-Point locking system
These are often found in UPVC doors and have at least three locking points which all lock at the same time. We recommend using the SS312 Diamond approved lock cylinders if you have this type of lock.
3. Cylinder Locks
Cylinder locks are a common type of lock but do not offer a high level of security. Upgrading cylinder locks to mortice could help improve your home insurance quote.
4. Night latches
Latches are less secure than mortice locks and should be used in conjunction with other locks for additional security especially at night. There are standard latches and deadlock latches, with deadlock latches being the most secure option.
5. Key-operated Security Bolts
These are often used on external doors and double doors, and will require security bolts to the top and bottom of the door to maintain a high level of security.
Purchasing Home Insurance Online
Many people are buying insurance online and are not thoroughly reading through their policies, which means that many people are shocked to find out that they aren’t fully covered when making a claim.
It’s important to get a number of quotes based on the security level of your home to double-check that what you have been quoted is fair.
Broken windows and Doors
The cost of replacing windows and doors can be very high if you’re a break in is not covered by insurance. Ensure that the locks on your windows and doors abide to your insurance policy.
If your window is broken and you replace it yourself, check with your insurance provider that the replacement window meets the minimum standards for your policy too.
If your home is burgled due to your doors or windows not being locked when the home is unoccupied you may struggle to make an insurance claim as your home was not secure.
Door and Window Replacements
If you need your windows and doors replaced contact us today and we can discuss your requirements.
The initial cost of replacing your locks, doors and windows can be expensive, however there are long term savings to be made.
You can potentially enjoy lower insurance premiums from upgrading your locks. Also, stronger locks can act as a deterrent for burglars and your home and possessions will be much safer.
We recommend that you double check the minimum standard of locks for your property against your insurance policy to ensure that you are covered.