What locks do insurance companies recommend?

What locks do insurance companies recommend varies by country and policy, but generally insurance companies recommend locks that meet recognized security standards to qualify for discounts and coverage. In the United States, many insurers recommend or require deadbolt locks with at least one inch throw, Grade 1 or Grade 2 ANSI rating, installed on all exterior doors, as deadbolts resist forced entry better than spring latch locks. Brands like Schlage, Medeco, Mul-T-Lock, and Yale Grade 1 deadbolts are often cited. For smart locks, insurers increasingly accept ANSI Grade 1 or 2 smart deadbolts like Schlage Encode Plus and Yale Assure Lock 2, provided they have mechanical key override and auto lock. In the United Kingdom, insurers typically require BS3621 standard mortice locks or nightlatch that is insurance approved. Insurance companies also recommend secondary security like window locks, reinforced strike plates with 3 inch screws, and monitored alarm systems. Some insurers offer discounts for smart locks with activity logs and auto lock. Check your policy, many require all exterior doors have deadbolt locks and that you actually lock them, otherwise claim may be denied if burglary occurs due to unlocked door. Contact insurer for specific requirements.