It seems to be standard with all insurers that when covering the Burglary or theft risk, the minimum security they will accept are Deadlocks on all external doors. This certainly applies to Householders Insurance but with Business Insurance, they are prepared to look at other alternatives such as a “back to base” alarm, rollerdoors, grilles and Padlocks.
These days, depending on which State you live in, Insurers do clash with Fire Safety Departments who believe that may types of Dead Bolts or Dead Locks are dangerous. They cite concerns such as:
On the other hand from the Insurers point of view, they of course want the locks to be used properly but they are very good at reducing or minimising break ins’ to property, particularly in these scenarios.
You will never stop anyone who really wants to break into your home. All you can do is minimise or delay the time they have to do so. They will not want to spend much time in your property and it is much harder to run off with that 50 Inch LCD Television through a window than through a front door.
A decent Deadlock is only part of your security solution. There are other things you can do and you should check your local Fire Safety Regulations applicable so you do not incure breaches or fines.
In Queensland, this is an issue, but the only product I can see that both Insurers and Fire Safety advisors seem to agree on is the following type of lock. Speak to an experience and reputable Locksmith too as they should know the regulations too. But ask for the following Double Cylinder “Deadlatch” with a push down lever.
Lockwood 001 Double Cylinder Deadlatch with Lever
The Lockwood 001 Deadlatch with LockAlert® status indicator and Safety Release™.
Features of the 001 Double Cylinder Deadlatch
Case High purity zinc alloy.
Latch Stainless steel 18mm projection.
Door Thickness 30 – 45mm.
Packers 3mm thick packer plates are available, these packers are installed under lock body to align lock body with face of jamb.
Restricted Special Keying
Lockwood locks can be keyed to a number of controlled and/or specially keyed systems. These range from legally protected keys to protect against un-authorised duplication, which can also include specially designed key systems such as master key systems, which allow for different levels of mechanical access control.