Door locks are important not only for the security of your home, but also when it comes to home insurance. If you want to save money on your premiums, it’ll be important to get the right locks fitted.
When you apply for home insurance you’ll often be asked what locks you have on your external doors, including patio doors. If your locks are deemed to be highly secure, you’ll benefit from a discount on rates.
On the other side of the coin, without sufficient security measures in place, you can struggle to get a reasonable price on your insurance.
Remember, prices for home insurance will vary depending on the provider so it’s always a good idea to compare as many as possible if you’re after the best deal.
For any home insurance you’ll be asked about your current security measures. There are four main options given, and if you fall into the ‘none-of-the-above’ bracket it’ll be well worth upgrading your locks.
Five-lever mortice deadlock
This is the standard deadlock, giving your property a reasonable amount of protection. They meet British Standards and are often recommended by the police to keep your home safe. Most have anti-pick mechanisms to further improve safety.
Five-lever mortice deadlock conforming to BS 3621
This is the same as the above mentioned lock, but if it meets the appropriate British Standards you’ll get credit from home insurance providers because of the extra security, and possibly a discount of premiums.
Key-operated multi-point locking system
Rim lock systems give your home an extra level of security by bolting the door to the frame. This means the possibility of your door being kicked in is reduced. Combined with a composite door you’ll have fantastic security.
Rim automatic deadlatch with key-locking handle
Are you worried about the security of your home at night? Well, with the rim automatic deadlatch you’ll be get peace of mind with the option to lock your front door more securely from the inside.