Do I Need Window Locks For My Home Insurance?
Did you know that it will cost you more money if your home is not secure enough? Home insurance experts expect homeowners to offer a bare minimum level of security. Do i need window locks for my home insurance? Yes, you do and the requirements changes depending on the area you reside in, the kind of coverage you wish to take and the type of insurance provider you go to.
The kind of locking systems on your aperture and doors should meet the standard that the policy outlines. When the locks are poorly maintained or not in use and do not meet the insurer’s standard, the insurance company will reject your claim. For instance, if you reside in an area where the burglary rate is high, the policy will stipulate the kinds of locking unit that need to be fitted in your house, failure to which the firm can invalidate your claim if the risk occurs.
The insurers will favor you when you install high-quality security systems and locking units like a burglar system. They will offer you lower premiums than if you were to install substandard window locks. Therefore, better security gets you to save cash and evading instances of your home being ransacked.
When applying for a policy, the insurer will ask you several questions, like what type of locks you have installed on your door and windows. Here are favorable locking systems that would make you be on the good books of your insurer. Five lever mortice deadlock is the most secure locking since it uses more than five locking levers that drive in a pocket. The insurer usually insists on getting a five-lever locking that conforms to (BS 3621) the correct British standard.
The multi-point locking unit, on the other hand, has three locking points. They are usually common on most Upvc windows and doors or French doors. They have three points in a door that locking unit at the same time. The key cylinder usually controls all the locking point. And it is for this reason; you need to make sure that you install a secure kind of cylinder.
Next comes the night latches. These locking units are mounted onto the door itself and the latch installed on the door frame. They are deadlock from the inside, but there those secure versions that are deadlocked from the outside. Most insurers would want you to have additional security when you have this locking unit on your door.