Would you say your home is as secure as possible? While this should be the goal of any responsible home owner or tenant wishing to rest peacefully at night knowing their place is not vulnerable to intruders, statistics tell us this is not always the case. With a home robbery occurring every 18 seconds in the U.S. alone, you have every reason to startle. You also need to motivate yourself to get practical and step toward property crime prevention.
But while your personal safety is critical, you will also need to keep in mind that poor home safety measures will cost you money if your home gets broken into. If you wish to know what does installing sturdy locks on your doors have to do with your insurance premium and home inspection, read on.
What Do Home Insurance Providers Want From You?
Home insurance companies expect you to be able to ensure a minimum level of security for your property. Their requirements however tend to change depending on your place of residence. This is because the burglary rates will vary from one area to the other.
What happens if I don’t have the right locks on the doors and/or windows?
- You can risk invalidating an insurance claim in case you have chosen the wrong type of locks on your entrance doors or windows. If you are not a lock aficionado and you have no clue how to assess the state of your locks or the type of quality of your locks, you can call an authorized locksmith in your area and let them handle everything for you.
- Professional and experienced locksmiths will recommend commercial grade-1 or at least grade-2 locks, preferably deadbolt locks or mortise locks. They can rapidly assess your door and window locks once they will reach your location and immediateky tell you what should be done; you will have the option of re-keying locks, having them fixed or replaced with new and sturdier ones. Most homeowners will hire a locksmith for fresh lock installation purposes, but the truth is most door locks solely require re-keying services.
- The locks on your windows may not meet the standard your policy indicates you require, they might also be improperly maintained or not be in use. All these could have your insurance company reject your claims, especially if you reside in an area that has a high rate of crimes. In such a case, you will have to meet a specific standard fitted for you in order to be insured. Upon your home inspection, you will need to show practical proof that you are actually fulfilling your duties and fully respecting the requirements of this standard.
Why Opt For High Quality Locks?
Because your insurance company will decide in favor of those home owners who have installed high quality locks as well as good home burglar alarms, and provide them with lower premiums. In other words, the bigger the investment you are willing to make for the protection of your home, the more money you will be able to save later on.
If you are uncertain about the best makes and models of quality locks and security systems, you should rely on licensed and insured locksmiths that provide residential services. If you do nto want to risk being scammed by a local con-artist, you can get in touch with a nationwide company like the one here authorizedlocksmiths.com offering the entire selection of home, car, and office locksmith services to customers in all states and on a 24/7 basis through a licensed, insured, and bonded team of mobile technicians. Opt for a five-lever mortise deadlock, a multipoint locking system, or a rim automatic deadlocking deadlatch for the higher level of safety.