


When we reviewed discounts from major insurance companies, we did not find many references to smart or biometric locks. Smart locks don't offer a substantial increase in security, so they won't make any meaningful impact on your homeowners insurance policy. Do Smart Door Locks Impact Homeowners Insurance Costs? Smart locks offer convenience, since you can choose to enable multiple people, such as a friend or dog sitter, to open the door. They look for unlocked back doors or windows they can force open. And since smart locks usually come with a physical key-in case you forget your PIN or the lock's power supply is cut off-any stranger with the key can gain entry.įinally, most burglars don't enter your home through the front door anyway.
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Additionally, if the software built into a digital lock has a defect, hackers might be able to take advantage of that error to unlock your door as if they were you. If a biometric lock is easy to physically defeat, then it doesn't offer any greater security than a traditional lock. The security of any given smart lock depends on the quality of its hardware and software. It's doubtful that smart locks offer more home security.
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