Home insurance and locks
We are often being called to homes to make sure that the locks installed comply with the requirements of the customer's house insurance so here's what you need to know.
When purchasing a new lock, you will often come across the term insurance-approved or something similar. This means the the lock is designed to fulfil the requirements needed by 'most' home home insurance providers. A good example would be BS3621 British Standard Kitemark. However, the important word here is 'most' because not all insurance policies are the same nor do they all follow the same criteria. As such, it is important to check with your provider exactly what your policy requires. When you know what is required, your local locksmith will be able to supply you with the correct products.
Another problem when trying to fulfil the requirements of your house insurance is when you have an old front door - not built to modern standards and therefore cannot accommodate the required locks for your insurance policy. Don't worry - just get in touch with your insurers. Many insurers will amends their policy for circumstances such as this. Again, your local locksmith will be happy to work with you on this.