Are Your Locks Insurance-Approved? Here’s How to Check

When it comes to protecting your home, having strong locks isn’t just about keeping intruders out—it’s also about keeping your insurance valid. Many homeowners don’t realize that their policy may require specific types of locks to qualify for full coverage.

If your locks don’t meet your insurer’s standards, you could be at risk of denied claims in the event of a break-in. Understanding whether your locks are insurance-approved is crucial for both peace of mind and financial protection. Call 6518005112 to speak to experienced locksmiths.

Why Insurance-Approved Locks Matter

Home insurance providers assess the risk of burglary when determining your premium. Properties with inadequate locks are seen as higher risk, which can lead to higher premiums—or worse, claims being denied after a theft. To mitigate this, insurers often list specific lock standards in the fine print of your policy.

Failing to meet these standards can leave you underinsured. For example, if a thief enters your home due to an outdated or faulty lock and your policy requires a deadbolt, your provider may argue that you didn’t take reasonable precautions.

Common Lock Standards in the U.S.

Different insurers may have different requirements, but most will expect locks that meet ANSI (American National Standards Institute) or BHMA (Builders Hardware Manufacturers Association) standards. These ratings determine the durability and security level of a lock.

Here’s a quick breakdown:

● Grade 1 ANSI/BHMA: The highest standard, typically required for entry doors.

● Grade 2: Acceptable for most residential doors.

● Grade 3: The minimum rating; may not be acceptable on its own for insurance compliance.

Double-cylinder deadbolts, which require a key to open from both sides, may also be required in certain policies—especially for doors with glass panes.

How to Check If Your Locks Are Compliant

Start by reviewing your home insurance policy. Look for a section on security requirements, often listed under “conditions of coverage” or “loss prevention.” This section may mention:

● Deadbolt requirements

● Key control (e.g., no shared or master keys)

● Lock grading (ANSI/BHMA)

Next, check your actual locks. The grade may be stamped on the faceplate or latch. If you’re unsure, a licensed locksmith can inspect them and provide a professional opinion. Some locksmiths also offer security audits that include checking for insurance compliance.

What to Do If Your Locks Don’t Meet Standards

If you discover your locks aren’t up to par, don’t panic. Upgrading to insurance-approved hardware is usually affordable and quick when done by a professional. You may also qualify for a reduced insurance premium after upgrading—some providers offer discounts for high-security locks or smart lock systems that include monitoring.

Call the Pros Before You File a Claim

Don’t wait for a burglary or denied claim to find out your locks aren’t compliant. Free Eagle Locksmith can help you assess your current locks, recommend upgrades, and install hardware that meets insurance requirements. With the right locks, you’ll enjoy stronger security—and the coverage to match.

Contact Free Eagle Locksmith today to schedule a lock compliance check for your home or office.