Insurance Approved Locks

Find out which types of door locks and window locks may be required to properly insure your house.

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What you need to know about house locks

When it comes to protecting your home, door and window locks are some of the most basic necessities to have. As well as burglar alarms and security systems, your property should be protected with insurance approved locks.

Types of house locks can impact your insurance hugely. If you fail to properly declare which locks are in place at your property and need to claim later down the line, you may well find that your policy is invalid. This is why we specify the types of window locks and door locks for homes that need to be in place to provide adequate cover.

Types of door locks for homes

What type of lock should be used for the main entrance?

A 5 lever mortice deadlock conforming to British Standard BS3621 or a key operated multi-point lock system or a rim automatic deadlatch with a key locking handle.

What type of lock should be used for patio doors?

A top and bottom key operated lock or a central rail key operated lock or a key operated multi-point lock system.

What other types of door locks are there?

A 5 lever mortice deadlock conforming to British Standard BS3621 or a key operated multi-point lock system or a rim automatic deadlatch with a key locking handle or key operated security bolts at top and bottom.

types of house locks

Types of window locks for homes

What type of lock should be used for the windows?

Key operated window locks should be on all ground floor and accessible windows.

types of house window locks


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Delve into the detail

  • What’s covered, what’s not
  • How to purchase
  • How to claim
  • What excesses will be payable

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5 most frequently asked questions

What does HomeProtect contents insurance cover?
Contents insurance covers the contents of your home and your personal possessions - all the things you would normally take with you when you move house. Your furniture, carpets, computer, entertainment equipment, CDs, DVDs, videos, valuables, clothing, personal belongings - even the food in your freezer! You may be asked to specify certain higher valued items on the policy and you may be asked to make additional security provisions such as locks or a burglar alarm if you live in an area with a high theft rate.
How do I calculate the value of contents to be insured?
You should calculate the cost of replacing all of your household goods and personal possessions within the home. Go through each room and add up the value, as new, of everything in each room. Pay particular attention to the little things like clothing, footwear, CDs, carpets, curtains, kitchen equipment, etc.
Does the policy cover my contents whilst in storage?
Yes. We can cover your contents in storage up to 20% of the total value of the contents, as registered on your policy.
Does the policy cover my contents whilst I’m moving home?
Yes. The HomeProtect policy will cover your belongings whilst moving home. We provide cover up to 20% of the contents total value but bear in mind that this is only cover for fire, lightening, explosion, earthquake, theft or attempted theft.
If items are stolen from my car, would they be covered by my contents insurance?
If your individually listed valuable items are stolen from the vehicle locked away out of sight then yes they will be covered in the event of theft.

If your individually listed valuable items are left in the car in a visible place then they will not be covered.

You should also check your car insurance policy as this also typically has personal possessions cover included.

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