Locks can affect your insurance premium and coverage – Find out how!

If you’re a homeowner who’s moved into a ready-built house, you’re likely to have never thought about what locks it has. More often than not, locks will seem strong enough to protect your house and keep you safe. However, that doesn’t always mean that they conform to regional standards or that they offer the best protection available.

Why are locks important?

Not only are locks essential to the security of your house, they also matter when you’re looking to insure it. Most companies will have policies outlining the security measures you need to have in place before a property is insured. What’s more is, some might offer insurance at a lower premium based on how secure a house already is. Although this varies based on the insurance company you choose, it’s always a good strategy to increase your overall safety.

How can I tell what locks I have?

Prior to changing your locks, you should find out whether the ones you already have in place are up to national standards (such as British Standard) and whether they need replacing at all. In many cases, the locks already in place will match those standards. That means they offer good security to your property, however, it’s important to have this confirmed by a professional.

To the naked eye, all locks might seem identical, however to a locksmith, they differ by their making and type. Although some locks display symbols that tell you what standard they comply with, it’s always best to consult a professional. This is especially important in cases where you have to dismantle the lock to determine its compliance – doing so might damage your doors irreversibly.

The British Standard Kitemark symbol you may find on your lock.

How do locks affect your insurance?

As we mentioned before, a lock that complies with standards can lower your premium. This may help you get a better deal, but that’s not the only way your locks can affect you. For example, some insurance companies outline in their policies that exterior doors need to have British Standard locks. Alternatively, they may ask that your locks are of a certain type in order to insure your property. It’s tempting to overlook these questions, to find them confusing, or to think that they’re not that important. However, if your house is burgled, stating your lock complies with standards when it doesn’t can invalidate your insurance claim.

What can you do?

The first thing to remember is that you need to know what your insurance policy states. If it does ask that your locks comply with certain standards and you’re unsure whether they do, it’s best to consult a professional. A locksmith can help you determine what type of lock you have in place and install a new one that is up to standard. Alternatively, if you’re in the market for insurance, read through the policies carefully and find out whether the types of locks you have matter. In either case, it’s best to consult a professional locksmith not only for compliance purposes but also for the safety of your property.

If you want to find out what locks you have and upgrade them, don’t be afraid to get in touch with us. Our expert locksmith Jim will have a chat with you, examine what you have in place, and suggest improvements. You can get in touch with Jim by phone or email, or book an appointment using our website:

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