Why You Should Tell Your Insurer If You Install a Key Safe

Let's be real, sharing spare house keys with family, carers, or contractors has never felt more convenient thanks to key-safes. But here's something important to remember: installing one without updating your insurance could put your family and your home at risk.

1. It could affect your insurance claim outcomes

Many home insurance providers require evidence of forced or violent entry to approve a burglary claim. If someone gets in using a key from your key-safe, that might not count—and your claim could be rejected.

2. Not all key-safes are created equal

Only security-certified models—those approved by Secured by Design (Police Preferred) or bearing LPCB LPS1175 ratings are usually acceptable to insurers. Generic, cheap lock-boxes might be considered a security liability, not an asset.

3. Non-disclosure can be costly

Even if you've taken precautions, failure to inform your insurer about a key-safe could invalidate your policy—especially if it's seen as negligence or poor security management. Some insurers may even increase your premium after disclosure, but that's far better than losing cover altogether.

4. Insurance-specific conditions may apply

Insurers often specify not just that you inform them, but what kind of key-safe is acceptable, where it's installed, and how it's used. Some require discreet placement, strong installation, and regular code changes.

5. Alternatives—if key-safes don't work for you

If you're worried about code leaks, poor installation, or reduced coverage, consider smart locks, door-systems that use keyless entry (apps, biometrics), simply leaving a trusted spare with a nearby neighbour or using Key-Master to manage your key-safe code.

Quick Family-First Checklist

Step	Why It Matters
1. Choose certified, secure models	Lowers risk and satisfies insurance requirements
2. Install safely and discreetly	Helps maintain security and comply with policies
3. Inform your insurance provider	Avoids surprises and preserves cover
4. Regularly update the code	Keeps access secure and limits exposure
5. Consider alternatives if needed	Ensures protection without added risk

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I know you care about keeping your loved ones safe—so let's make sure all precautions align with insurance peace of mind. A key-safe is a smart tool—but only when you've chosen right, used it responsibly, and kept your insurer in the loop.

Stay safe, stay protected.