There are different types of door locks available on the market today, but if you are looking at purchasing home insurance, you should definitely learn more about insurance-approved door locks.
With the right door locks, not only will you be more likely to be approved for home insurance, but you may also qualify for discounts and lower premiums. Of course, you will also have a safer and more secure home. If you already have locks installed in your home, knowing more about them is also important since you can get penalized by your insurance company for incorrectly identified locks.
Whether you have yet to buy locks for your home or you already have locks installed but can’t identify them, this guide on the different types of insurance-approved door locks can help you.
Five-lever mortise deadlock
The standard lock for insurance-approved homes is the five-lever mortise lock. It can be both locked and unlocked from either side, providing a moderate level of security. If you choose the mortise deadlock conforming to British standard 3621, or BS3621, your door will be more secure, and some insurance companies may even offer premium discounts for this type of lock.
Key-operated multi-point locking system
The key-operated multi-point locking system provides a high level of security as it bolts the door into the frame and secures at different points when you turn the key.
Rim automatic dead latch, or night latch
This type of lock is installed and mounted on the inside part of the door with a keyhole on the outside to allow unlocking of the door. The rim automatic dead latch is usually used in conjunction with another lock for added security.
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