Is Your Home Insurance Valid? The Role of Proper Locks in Coverage

Home insurance provides financial protection against theft, break-ins, and property damage. However, many homeowners are unaware that inadequate home security can void their insurance policy. One critical aspect of home security that insurers assess is the type of locks installed on doors and windows. Without proper locks, you could be at risk of losing your insurance coverage or facing difficulties when making a claim.

In this detailed guide, we will explore how home insurance policies consider door and window locks, the types of locks that meet insurance standards, and how upgrading your home security with PJ Locksmiths can ensure your policy remains valid.

Understanding the Link Between Home Insurance and Locks

Why Do Insurance Companies Care About Locks?

Insurance providers assess risk factors when issuing home insurance policies. The security measures in place, including door and window locks, directly impact your premium and coverage.

If your home lacks insurance-approved locks, your policy could become invalid, meaning insurers may refuse to pay out in case of a burglary.

Common Insurance Requirements for Locks

Most insurers require homes to have British Standard BS3621 locks or equivalent. This standard ensures locks meet specific security benchmarks, reducing the likelihood of break-ins. In general, the following locking systems are recommended:

Front and Back Doors: Five-lever mortice deadlocks (BS3621) or multi-point locking systems.
Patio or French Doors: Key-operated locks or multi-point locking systems.

Windows: Key-operated locks for all accessible windows.

Types of Insurance-Approved Locks

1. BS3621 Five-Lever Mortice Deadlocks

Required for main entry doors.
Features a deadbolt operated by a key from both sides.
Recognisable by the BS3621 Kitemark, stamped on the lock case.
Provides enhanced resistance against picking, drilling, and forced entry.

2. Multi-Point Locking Systems

Commonly found on uPVC and composite doors.
Locks at three or more points (top, middle, and bottom) when the handle is lifted.
Ensures greater resistance to forced entry and is favoured by insurers.

3. Rim Automatic Deadlatch with Key-Locking Handle (BS3621 Compliant)

Often used on wooden front doors.
Locks automatically when the door is closed.
Must include a key-locking handle to be insurance-approved.

4. Key-Operated Window Locks

Necessary for ground-floor and accessible windows.
Prevents burglars from easily entering the home.
Some policies may require internal locking mechanisms for added security

How Improper Locks Can Invalidate Your Home Insurance

If your home does not meet the security standards outlined by your insurance provider, the consequences can be severe:

Denied Claims – If burglars gain access due to inadequate locks, the insurer may refuse to cover the loss.
Increased Premiums – Homes with subpar security often face higher insurance costs.
Policy Cancellation – Repeated claims due to poor security may lead to policy termination.

How to Check If Your Locks Are Insurance-Approved

Look for the BS3621 Kitemark on locks.
Check your insurance policy documents for specific lock requirements.
Consult a professional locksmith, such as PJ Locksmiths, for an expert security assessment.

Steps to Upgrade Your Locks and Maintain Valid Insurance

1. Assess Your Current Locks

Check the type and condition of your locks.
Identify any outdated or non-compliant security systems.

2. Upgrade to Insurance-Approved Locks

Install BS3621-certified mortice locks or multi-point locking systems.
Ensure all external doors and accessible windows have key-operated locks.

3. Get Professional Lock Installation

Upgrading locks should be done by a certified locksmith to ensure compliance with insurance regulations. PJ Locksmiths offers expert lock fitting services, ensuring your home meets insurance security standards.

4. Maintain Regular Lock Inspections

- Locks can degrade over time. Annual maintenance ensures they remain secure and functional.
- If you move into a new home, consider changing the locks for added security.

Additional Home Security Measures to Lower Insurance Premiums

1. Smart Locks

Some insurers offer discounts for smart locks with remote access and audit trails.
Ensure your insurer approves smart locks before installation.

2. Security Alarms & CCTV Systems

Monitored alarm systems provide added security and may reduce premiums.
CCTV cameras act as a strong deterrent against burglaries.

3. Outdoor Motion Sensor Lights

Enhances security by illuminating entry points when motion is detected.

4. Strong Door & Window Frames

Reinforcing door and window frames makes forced entry more difficult.

Conclusion

Ensuring your home has the right locks is not just about safety—it’s essential for maintaining valid home insurance coverage. Without proper security measures, your insurer could reject claims in the event of a break-in.

Upgrading your locks to BS3621-certified or multi-point locking systems will not only secure your home but also give you peace of mind that your insurance remains valid.

At PJ Locksmiths, we specialise in installing insurance-approved locks and providing security assessments to protect your property. Contact us today for a professional consultation and ensure your home insurance remains valid!