With break-ins on the rise worldwide, it’s a wise idea to get home insurance. Home insurance will make sure that your home is protected no matter what happens! Whether you end up experiencing a break-in, an accidental fire, or damage because of a natural disaster, having home insurance takes a significant load off of your shoulders! However, they can run pretty expensive. There are lots of ways to lower the premium, one of the best ways, is by getting insurance grade locks installed in your home.
What are Insurance Grade Locks?
Insurance grade locks are locks that meet the British Standard 3621. These are extremely strong locks and have anti-snapping technology. This makes them harder to break and an intruder won’t be able to get into your home with ease. Insurance grade locks come with BS3621 Kite Mark, making it very easy to tell them apart from a regular lock. If you don’t see the kite mark, your locks are not insurance grade!
What Happens If Your Locks Aren’t Insurance Grade?
Most insurance companies require you to have Insurance grade locks. Without them, they won’t even approve your application, let alone give you a lower premium. This isn’t just an added step though. These locks have a purpose. They make your house more secure. When your house is less likely to be successfully broken into, there’s less risk to cover for the Insurance company, which ends up driving your premium a lot lower than it would be with regular locks. It’s simple, the less risk they have to cover, the less you’ll have to pay! Some companies will still insure your home without insurance grade locks, but they’ll take out break-in or theft coverage, which defeats half of the purpose of wanting the insurance in the first place!
What Are the Different Types of Insurance Locks?
There are a few different types of Insurance grade locks. 3 of them are used for doors and 1 for windows. Any of these locks can be used to secure your home, but they differ in functionality:
- Mortice deadlocks (five levers): Most insurance companies will require you to have these fitted on all of the entry points on your ground floor. These are also known as “Chubb Locks”. These locks aren’t like the regular ones that just fit on to your door out of the box, they’re cut into the doors and the door frames. The bolt will sit in the doorframe when the door is locked, making sure it doesn’t open unless the right key is used to unlock it. The locking mechanism has 5 levers. The higher the number of levers your lock has, the more secure it is.
- Deadlatches: Deadlatches, also known as night latches, they’re attached to the wall, not cut into it. They’re locks that are usually meant to be used alongside a mortice deadlock. That’s because these aren’t as secure as a deadlatch but still provide an added layer of security.
- Key operated multi-point locking system: These are considered one of the most secure locks ever made. They too are cut into the wall and the door frame to be installed. This one has three levers but since they lock at the same time when the key is turned, securing the door in place!
- Key operated window locks: These window locks have handles with a lock inside. These will not open unless the key is used! They’re supposed to be used throughout the house but you might be able to get away with just getting them on the ground floor.
The most important part about getting these locks is that insurance companies require them to be professionally installed. You can easily find a locksmith in Birmingham or call one up in your local area to install the locks and your home will be all set to get insured!