Types of Locks You Need for Your Home’s Excellent Security and Discount on Home Insurance
There are so many factors to consider while buying home insurance. One of the most important among these is fitting the right locks so as to save money on home insurance.
When you apply for home insurance, the provider will like to know what types of locks you have fitted on patio doors or any other outside doors.
Sometimes, if you don’t have the correct types of locks, you may have to struggle to get cover at an affordable price.
Therefore it’s always advisable to compare quotes from multiple insurance providers in order to find a good deal.
You may even get your hands on a discount off the usual premium if your home has a higher level of security.
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Types of Door Locks
While buying home insurance from most providers, you’ll be asked what types of locks are there on all your outside doors because it helps the insurance companies evaluate the security level of your property.
It can be challenging to determine the type of lock you have at your home; however, it’s essential to get it right; otherwise you can be at the risk of cancelling your home insurance policy.
There are four main options among which you’ll have to choose. If your lock doesn’t come under these, select “other lock type” and consider upgrading your security.
1. Five-lever Mortice Deadlock
This is a standard deadlock that provides moderate protection to the main doors of your property. It can be locked from either side and is often used with a nightlatch for extra security.
2. Five-lever Mortice Deadlock Compliant to BS 3621
Look for the British Standard kitemark to check if your mortice deadlock is compliant to BS 3621. It’s a deadbolt locked and unlocked by key from both sides and is recommended by insurance providers; so, you might get a discount on your premium.
3. Key-operated Multi-point Locking System
This system bolts the door into the frame and locks at several points once the key is turned; thus, it offers a high level of security. This type of lock is commonly used on composite and UPVC doors.
4. Rim Automatic Deadlatch with Key-locking Handle
This lock is mounted on the inside of the door. The cylinder inside it is connected to the keyhole on the outside of the door, enabling you to lock your doors more securely from inside.
Check what type of locks is the best for the security of your property and for getting a discount on your home insurance policy. Both these are essential to get peace of mind.
