Improving home security goes beyond peace of mind. Better locks can directly reduce your insurance costs. Insurers often reward homes that are harder to break into. This means we don’t just protect what matters inside — we also make the property a better risk to cover. Upgraded locks help create that advantage. Many homeowners overlook this simple step, but a well-secured entryway can be the reason your premiums drop or your claims are approved faster.
Insurance Providers Check Lock Grade
Most policies include a section on minimum security standards. That often means having deadbolts or reinforced door hardware. Insurance companies assess this during policy setup or renewal. Some even ask for proof if a claim happens after a break-in. Because of that, we recommend starting with a basic home lock audit.
First, look at your exterior doors. Are they using deadbolts with at least a one-inch throw? Secondly, do the strike plates have long screws that anchor into the wall frame? If the answer is no, your locks might not meet what some insurers expect. In other words, it could mean missing out on discounts or facing challenges during claims. This is where speaking with a knowledgeable locksmith in Calgary helps confirm you meet the expected standards.
Deadbolts Are Still the Standard
While smart locks have grown in popularity, most insurance companies still ask about deadbolts. They remain the benchmark because of how well they resist force. Some models are rated Grade 1 by the American National Standards Institute, meaning they can withstand heavy blows and tampering. These higher-grade locks show insurers that you’re serious about protection.
Not all deadbolts are the same though. Many big-box store models offer lower security. It’s important to choose a quality lock that resists both drilling and picking. Strong deadbolts also last longer and need fewer service calls. That’s a key detail insurers consider when evaluating the long-term risk of a property. Better hardware leads to fewer claims, and that brings better rates over time.
Multi-Locking Systems Add Value
Another option is to install a multi-point locking system. These locks latch the door in several spots along the frame. Therefore, the door holds up much better during attempted forced entries. Although this type of system costs more upfront, it usually qualifies homeowners for increased discounts.
We often see older doors with a single locking point that shifts or weakens over time. This misalignment leaves homes vulnerable to easy break-ins. In contrast, multi-lock setups stay aligned longer and seal tighter, which also helps with insulation. For people with higher-value homes or expensive belongings, insurers look favorably on these additional protections. A residential locksmith in Calgary can recommend systems that match both your home style and your insurer’s guidelines.
Smart Locks Still Need Physical Strength
Although electronic locks offer convenience, insurers still assess how well they resist physical attacks. A keypad or smartphone app doesn’t make a lock more secure unless it’s paired with solid internal parts. The most trusted smart locks combine electronic features with ANSI Grade 1 or Grade 2 hardware. This way, you get both tech and toughness.
Some homeowners assume a smart lock alone improves coverage. However, insurance adjusters often look at the core structure first. We suggest installing smart locks only on doors with reinforced frames, secure hinges, and high-quality internal locks. This makes your smart system count for more in an insurer’s eyes. Use these features alongside solid security habits to build your insurance case.
Window and Sliding Door Locks Count Too
Most people focus only on their front and back doors. However, insurance companies also consider other entry points. For instance, weak basement windows or patio doors can increase your risk profile. These openings need visible locking mechanisms that resist force and tampering.
Sliding doors especially require special attention. Their factory latches are easy to bypass. We suggest using keyed locks, vertical bolts, or security bars. Basement windows benefit from pin-style locks or grates, particularly if they’re at ground level. Every vulnerable access point that you secure gives your insurance company one less reason to rate your home as high risk. Addressing all entryways helps show you’re committed to full property security.
Lock Maintenance Prevents Denied Claims
Old or faulty locks not only make break-ins easier, they also open the door to denied claims. If your insurance company finds that a broken latch or worn-out deadbolt made entry easier, they may question the payout. That’s why we always inspect locks for wear.
Loose cylinders, stripped screws, and rusted parts all create weak spots. Over time, keys that don’t turn smoothly or locks that jam can become real risks. Annual maintenance ensures that locks work exactly as expected. This type of basic upkeep not only boosts safety but also strengthens your position in any claims process. If an insurer sees documented lock service, they’re more likely to process payments without delay.
Home Security Discounts Depend on Proof
Most insurance discounts related to security require some form of verification. This can include receipts, photos, or an assessment letter from a certified professional. Simply stating that a lock was upgraded may not be enough. We recommend keeping dated documentation in a safe place.
If you’re planning to apply for a security discount, speak with your insurer first. Ask which devices or upgrades qualify. Then have a qualified technician install and test them. After the work, request written confirmation. This helps lock in your savings and protects you from disputes later. You can always contact Super G&R to arrange an inspection or quote that meets insurer documentation standards.
Don’t Overlook Garage Entry Locks
Garage doors often lead to an attached entry door. If that door has a weak lock or no deadbolt, it becomes a serious vulnerability. Some burglars bypass the main house entirely and go through the garage instead. Insurers look at this path just as seriously as the front entrance.
We suggest treating garage access like any other external entry. Use high-security locks and consider reinforcing the frame. Some owners also add interior bolts or motion sensors to monitor activity. This can be especially important if the garage holds valuable items like bikes, tools, or outdoor equipment. Insurers consider the full property risk, so securing side areas adds extra points in their evaluation.
Locksmith Involvement Supports Claims
One overlooked benefit of hiring a professional is the paper trail. If something happens later, being able to show that a qualified locksmith in Calgary serviced your locks makes a real difference. It shows insurers that security was not ignored.
In many cases, insurers ask for evidence of prior maintenance or upgrades. A technician’s report, invoice, or work summary helps make your case. Even better, some companies keep digital records, which can be retrieved quickly in emergencies. If you ever face a claim, that history becomes a useful shield against delay or denial.
FAQs
How much can I save on insurance by upgrading locks?
In most cases, homeowners can save between 5% to 15% by improving lock security. The exact amount depends on your provider and what systems you install.
Do insurance companies accept smart locks for discounts?
Yes, but only if the lock also meets high physical security standards. Look for smart locks that include ANSI-rated hardware to qualify.
Is a deadbolt enough to meet insurance requirements?
Generally yes, if it’s a quality deadbolt with proper installation. However, more complex setups may be required for larger homes or high-value items.
What happens if a break-in occurs through a weak lock?
If an insurer finds that a lock was damaged or below standard, they may deny or reduce the claim. Maintenance and documentation help avoid this.
Can a locksmith help with the insurance paperwork?
Yes, most licensed locksmiths can provide written assessments, photos, or invoices that insurers accept as proof of security upgrades.