What You Need To Know About Lock Requirements and House Insurance
Prolocksmith Orlando
What You Need To Know About Lock Requirements and House Insurance
House insurance companies have minimum lock requirements that a house must meet before they issue a cover. Essentially, they require house owners to disclose information on the types of locks they have installed in their houses. You must provide correct information. Otherwise, if at the time of compensating your claim they find your locks are different from what you stated in the policy, your cover becomes automatically invalidated.
Why Is Having the Right Types of Locks Important for Your Home Insurance Policy?
The standard of your door and window locks determines how risky or secure your house is. Home insurance providers use this information to evaluate your risk level hence determine the right amount of premiums for your cover.
Having the right types of locks, therefore, is important in that it not only guarantees your security but qualifies you for premium discounts.
Having the right types of locks, therefore, is important in that it not only guarantees your security but qualifies you for premium discounts.
Common Types of Door and Window Locks
Five-lever mortice deadlocks
Five-lever mortice deadlock is the most secure type of lock, which is highly recommended by most home insurers. It's embedded on the door and is commonly found on front doors. Its multiple numbers of levers make it hard to pick, thus its preference.
Most home insurance providers will give you a discount if your doors are fitted with this type of lock.
Multi-point locking system
This lock is mostly found on uPVC doors. It has three locking points. You'll often find it on rear area doors though some front doors have it.
Night latches
Night latches are mounted on the door and less secure than the five-lever mortice deadlocks. Though they're approved by most home insurance providers, they recommend you combine them with another type of lock for added security.
Key-operated window locks
To qualify for home insurance cover, your windows should be fitted with key-operated locks. This is especially crucial for windows on the ground floor.
Five-lever mortice deadlock is the most secure type of lock, which is highly recommended by most home insurers. It's embedded on the door and is commonly found on front doors. Its multiple numbers of levers make it hard to pick, thus its preference.
Most home insurance providers will give you a discount if your doors are fitted with this type of lock.
Multi-point locking system
This lock is mostly found on uPVC doors. It has three locking points. You'll often find it on rear area doors though some front doors have it.
Night latches
Night latches are mounted on the door and less secure than the five-lever mortice deadlocks. Though they're approved by most home insurance providers, they recommend you combine them with another type of lock for added security.
Key-operated window locks
To qualify for home insurance cover, your windows should be fitted with key-operated locks. This is especially crucial for windows on the ground floor.
Which Locks Should You Have in Your House?
As earlier stated, each home insurer has its specific minimum requirements. You should check the policy document to make sure you have the right locks in your house.
Though it may appear economical to go by the minimum locks required, especially if you already have them installed, having high standard locks may turn out to be a big save in the long-run. This is because most house insurance companies provide big discounts for high standard locks.
Though it may appear economical to go by the minimum locks required, especially if you already have them installed, having high standard locks may turn out to be a big save in the long-run. This is because most house insurance companies provide big discounts for high standard locks.
Reliable Lock Installation Company
At Prolocksmith
, we offer reliable lock smith services within Orlando FL. We have over 40 years of industry experience. Thus, you can count on us to provide and install burglar-proof security systems that will keep you safe.
In need of high-quality locks to qualify for house insurance premium saves? Call us at (407) 565-7831.
In need of high-quality locks to qualify for house insurance premium saves? Call us at (407) 565-7831.
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