[UrMomReadsHN]

Huh?

My insurance covers me in the case of theft. When I applied for my policy the adjuster asked me questions about my physical security. Do I have a deadbolt? Security system? Things like that. These variables (along with others, crime rate of my neighborhood, for example) were plugged in and I was given a policy with a premium tailored to my risk. If I lie about my risk to get a lower premium, then if I make a claim, then I won't be covered.

Consider a 100% purely hypothetical situation where I told my insurance company I have a deadbolt on my door. They issue me a policy based on that information. This policy has language in it that defines what a deadbolt is. I then replace my deadbolt with something that doesn't fit the language of my policy. I make a claim, and an insurance adjuster comes to my house. They notice that I was using a tool to secure my door that didn't fit with my policy language. Now I won't be covered because I didn't follow the policy.

Of course that's entirely hypothetical. Maybe (probably?) not even likely. But since it takes all of 5 minutes to verify if the new lock you are installing is compatible with your insurance policy, it would be braindead to not check.

Just something to consider...

[umsm]

The argument isn't whether or not you have a deadbolt, but rather that the technology used in the deadbolt will sway an insurance company not to pay the claim.

Using a bluetooth deadbolt can be compared to using a lock with medeco biaxial pins. The insurance company finds out that medeco biaxial pins are easier to break into with specialized tools and they deny your claim.

This is a moot point, so I would suggest an easier way to break in to your home that doesn't require advanced tech skills: use a rock to break a window ;)