When we think about saving money on home insurance, we usually think of bundling policies or raising our deductibles. But did you know that simply upgrading your door locks can help, too?

Yes, smart locks and home insurance actually go hand in hand — and at Fine Locks, we’ve seen more and more homeowners benefit from this modern upgrade. Let’s break it down in simple terms so you can see why switching to a smart lock might just save you money and give you peace of mind.

Smart Locks and Home Insurance: What You Should Know

What Are Smart Locks?

Smart locks are high-tech door locks that let you lock and unlock your home using a smartphone app, fingerprint, keypad, or even voice control. No more fumbling for keys — just tap, type, or talk.

But smart locks do more than add convenience. They boost your home’s security — and that’s where smart locks and home insurance start to connect. Choose a trusted brand like Fine Locks or browse the Consumer Reports guide to smart locks to compare features.

How Do Smart Locks Affect Home Insurance?

Insurance companies love it when homeowners take steps to protect their homes. A smart lock is one of those steps.

Here’s how smart locks and home insurance work together:

• Lower Risk = Lower Premiums
  A home with a smart lock is harder to break into, so it’s less risky for insurers. That can lead to discounts on your policy.
• Proof of Security
  Some smart locks track activity (who entered, when, etc.). That can be helpful if there’s ever a claim or a break-in.
• Smart Home Bundles
  If you already use security cameras, alarms, or smart thermostats, adding a smart lock may qualify you for even bigger discounts through a “smart home” policy bundle.

At Fine Locks, we’ve had customers tell us their insurance provider gave them 5–15% off after installing one of our certified smart locks.

What Insurance Companies Look For

Not all smart locks qualify for savings. To boost your chances:

• Choose a trusted brand like Fine Locks
• Install a deadbolt smart lock (more secure than knob-only locks)
• Look for tamper alerts and remote access features
• Ask your insurer which smart lock features they recommend

Don’t forget to let your insurance company know once the lock is installed. Provide proof of purchase or installation if needed. For more information on home insurance guidelines, visit the Insurance Bureau of Canada.

Tips from Fine Locks to Get the Most Out of Your Smart Lock

Want to make sure you’re getting the most security (and insurance benefits) from your smart lock? Follow these simple tips:

• Use strong PIN codes or fingerprints instead of simple passwords
• Enable mobile alerts so you know if the door is accessed unexpectedly
• Keep the lock’s firmware updated for the latest security protection
• Pair it with other smart security devices for more insurance perks

At Fine Locks, all our smart locks are easy to install, app-connected, and built with Canadian weather in mind.

Why Smart Locks Are Worth It

The upfront cost of a smart lock might feel like an extra expense, but in the long run, it can pay off in more ways than one:

• Fewer lost keys or lockouts
• More control over who enters your home
• Peace of mind while you’re away
• And yes — potential savings on your home insurance

When you invest in smart locks and home insurance benefits follow. It’s a win-win. Want to learn more? Check out our blog on how smart home security boosts peace of mind.

Final Thoughts from Fine Locks

Smart locks aren’t just about cool tech — they’re about keeping your home safer and saving you money. At Fine Locks, we believe every homeowner deserves modern security that fits their lifestyle and helps them cut costs.

Ready to upgrade your home’s security? Explore our selection of smart locks today and ask your insurance provider about possible discounts. Let Fine Locks help you protect what matters most.

Frequently Asked Question(FAQs)

1. Do smart locks qualify for home insurance discounts?
Yes, many insurance providers offer discounts when you install approved smart locks that improve home security.

2. How much can I save with smart locks and home insurance?
Savings vary, but homeowners can often get 5–15% off their insurance premiums with the right setup.

3. Do I need to notify my insurance provider?
Yes! Let them know once the smart lock is installed and share proof to apply for any available discounts.

4. Are all smart locks accepted by insurance companies?
Not always. Choose locks from trusted companies like Fine Locks with features like remote access and tamper alerts.

5. Is it worth installing a smart lock just for insurance savings?
Absolutely — you get both better security and long-term savings. Plus, it’s convenient and easy to manage your home access.