Do smart locks void insurance?

Do smart locks void insurance, generally no, smart locks do not void homeowners or renters insurance and in many cases may help reduce risk, but there are nuances. Most insurance companies accept smart locks as long as they meet minimum security standards, typically a deadbolt lock on exterior doors, and many smart locks are BHMA Grade 1 or 2 deadbolts which satisfy requirements. However, some policies have clauses requiring British Standard or specific lock grades, and if you install a smart lock that is not certified or you disable deadbolt leaving only handle latch, insurer could argue you did not maintain adequate security and deny theft claim. Also if smart lock fails due to dead battery and you leave home unlocked, claim could be denied for negligence. To be safe, choose smart lock that is Grade 1 or 2, keep physical key backup, enable auto lock, maintain batteries, and inform insurer that you have smart lock with encryption and access logs, which may even qualify for smart home discount of 5 to 10 percent with some insurers. Check policy wording and ask agent specifically if smart lock is approved. Keep traditional deadbolt if lease requires. Overall smart locks do not void insurance when properly installed and maintained.