Do smart locks affect insurance?

Author: London Considine  |  Last update: Monday, May 12, 2025

No, smart locks typically do not void insurance as long as they meet the security requirements outlined by your insurer. Many policies focus on the cylinder's security rather than the smart lock itself, so check with your provider for specific terms.

Do smart locks void insurance?

No, smart locks typically do not void home insurance policies. However, the specifics depend on the insurance provider and the terms of the policy.

Are smart locks insurance approved?

While traditional locks have clear standards, smart locks are relatively new, and not all insurance policies directly address them. It's essential to verify that the smart lock you choose meets your insurer's requirements for protecting your home.

What is the disadvantage of a smart door lock?

Disadvantage 1: Vulnerability to Hacking

While smart door locks offer enhanced security, they are not entirely immune to cyber threats. Like any other internet-connected device, smart door locks are susceptible to hacking attempts, potentially putting your home security at risk.

What are the risks of smart locks?

You might be wondering whether smart locks that connect to the internet are susceptible to hacking. The answer is yes. Anything that connects to the internet can be hacked. But before you panic, rest assured that it will take concerted effort for someone to gain entry without having the code.

Smart locks: Are they safe? What you need to know! | Asurion

Why not use smart lock?

Traditional door locks can range from the inexpensive, poorly made, and easy to pick to the more sturdy, complex, and tamper-resistant. Some smart locks, as well, might be fairly easy to break into if they are poorly made and not sold through a reputable company.

Is a smart lock safer than a deadbolt?

Are smart locks safer than traditional key locks? They can be, assuming you follow the right online security measures. Smart locks are harder to pick than traditional locks.

What is the lifespan of a smart lock?

Battery-Powered Smart Locks

Lifespan: Typically, 6 months to 1 year, depending on usage and battery quality.

Do smart door locks work without Wi-Fi?

Many smart locks without Wi-Fi can work with other communication protocols such as Bluetooth, Z-Wave, or Zigbee. So if your Wi-Fi is disconnected, you can still use your lock. However, if you're having any trouble with your lock, Sure Lock & Key is here to help.

How safe are Schlage smart locks?

Grade Ratings: Schlage locks often meet or exceed industry standards for security, such as ANSI/BHMA Grade 1 certification. This indicates their ability to withstand high levels of physical attack.

Can a locksmith open a smart lock?

A locksmith can open a smart lock, although the method of doing so depends on the type of smart lock. Traditional pin and tumbler locks, for example, can be picked by a trained professional using special tools.

Does house insurance cover door locks?

Yes, a home insurance policy will normally cover the cost of repairing or replacing your locks to secure your home – you'll have to pay the excess on your policy. Sometimes, dedicated key cover policies won't charge an excess, though.

Do thumb turn locks invalidate insurance?

Some thumb turn locks can be unlocked relatively easily by a professional locksmith or burglar - hence the reason why they tend not to be insurance-approved.

Can smart locks be hacked?

Like any other wireless technology, smart locks are at risk of being hacked. Thieves use different devices depending on the type of connection, including Bluetooth, Wi-Fi, or Z-wave. These days, a lot of information on how to hack smart locks can be found online.

Does insurance cover unlocking your car?

Vehicle lockout is almost always a covered event for roadside assistance, but the exact terms and coverage limits may vary. Roadside insurance might also cover towing costs within a specific radius if a locksmith has difficulty unlocking your car due to new technology, a faulty lock, or other challenges.

What are the disadvantages of smart locks?

For answering all of those questions, here are some disadvantages of the locks that you need to know!
  • There Is Still Room for Hackers, So It Is Not 100% Safe. ...
  • For Some Smart Locks, You Need an Internet Connection. ...
  • You Need to Change The Battery Because It Can Runs Out. ...
  • The Price Is More Expensive Than Traditional Keys.

Can you install a smart lock on a door without a deadbolt?

For doors with no deadbolt, the Schlage Encode Smart WiFi Lever is a doorknob replacement lock that shares the same attractive features as our top pick.

Does Schlage smart lock work without Wi-Fi?

Yes. Smart locks connect to the Wi-Fi network through your smartphone app, control panel, or hub within the home, but they can also connect using Bluetooth technology.

What happens to smart locks when power goes out?

However, most smart locks have backup batteries that kick in during a power outage, so they'll continue to work even if the power is out.

How many times can you rekey a smart lock?

Unlimited amount of times. All you need is the Smarkey Security tool.

Can you still use a key with a smart lock?

Can you still use a key even if you have a smart door lock? Most smart locks also have a slot for a standard key. This can be useful as an alternative way to enter in the event the batteries in your device drain completely before replacement.

What is the most secure home door lock?

The most secure front-door lock is a multi-point lock, which is exactly what it sounds like — a system with more than one point of contact with your door's frame.

What is the vulnerability of smart locks?

An attacker may intercept the Bluetooth signal and gain access to the smart-lock without the user's permission. Physical Tampering Smart-locks that use biometric sensors, such as fingerprint or facial recognition, may be vulnerable to physical tampering.

Is keyless entry safe for home?

Can keyless locks deter burglars? Yes, keyless locks can deter burglars, mostly because they boost security and offer advanced features. Most models allow for unique codes or temporary access, making it harder for intruders to break in.

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