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How Door and Window Locks Affect Insurance

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Your home is the gateway to some of your most valuable assets and a place that you want to keep safe and secure but have you ever thought about how your door and window locks affect the price of your insurance?

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Source: Flickr

Premiums

Most insurance companies will ask what type of locking systems that you have before giving you a quote – generally speaking the more advanced and secure your locks the lower the premium will be.

Don’t Invalidate Your Policy

Some insurance companies stipulate the type of locks that you must have fitted in your home – if you don’t meet these standards then your policy could become invalid in the event of a break in.

What Locks Are Available?

Deadlock
Source: Flickr

Five-lever mortice deadlock – One of the most secure locks that is available on the market as it has at least five locking levers. If all your windows and doors are fitted with British Standard 3621 quality locks then you could potentially receive a discount on your premium.

Multi-point locking system – Commonly used on patio and French doors the multi-point locking system are the next best option behind the five-lever deadlocks as they have three locking systems.

Key operated window locks – Insurers tend to favour those who have key operated locks on their windows, it adds an extra layer of security although make sure you don’t leave the key in the lock all the time.

Night lock – During hot weather it can be tempting to leave your windows open at night – however this makes it easier for people to enter your property. A window with night lock will allow you to leave your windows open but keep the property secure.

ANSI Rating Explained

The ANSI rating system is comprised of three different rating levels that deadbolts and knobs are tested to – the system was devised to help people in the trade know the quality of the products, it can however be a good guide for everyone to consider.

Grade I – High
Deadbolts must withstand:
250,000 cycles
10 door strikes
Grade II – Medium
Deadbolts must withstand:
150,000 cycles
5 door strikers
Grade III – Low
Deadbolts must withstand:
100,000 cycles
2 door strikes

If you need any help securing your home or want further information then give the team at Wessex Glass a call now on 0117 977 00 33.