Living in one of Somerset West’s premier estates—like Erinvale, Schonenberg, Croydon, or Sitari—comes with a certain peace of mind. You have 24/7 manned gates, electric fencing, and patrolling guards. You feel secure.
However, there is a common misconception that “Estate Security” replaces the need for “Home Security.” Your insurance company disagrees.
At Security Locksmiths, we’ve seen heartbreaking cases where homeowners have had their burglary claims rejected simply because their door hardware didn’t meet the “Minimum Security” requirements buried in the fine print of their policy.
The Reality Check: The “Visible Sign of Forced Entry” Clause
Most South African insurers require that your home meets specific physical security standards regardless of whether you live in a gated community. If an intruder bypasses a low-quality lock without causing major damage to the door frame, your insurer may claim there was no “forced entry,” leaving you to foot the bill for your stolen valuables.
Are You Using “Designer” Locks or “Secure” Locks?
Many modern estate homes are fitted with beautiful, architectural handles and “euro-profile” cylinders that look sleek but offer very little actual resistance.
What your insurer usually requires:
• 5-Lever Sash Locks or Deadlocks: On all external wooden doors, a SABS-approved 5-lever lock is the industry standard.
• Safety Gates: If you have sliding doors or expansive glass features, these often require additional locking bolts or security gates to remain compliant.
• The SABS Mark: Look for the SABS stamp on the faceplate of your lock. If it isn’t there, you might be at risk.
Don’t Wait for a Claim to Find Out You’re Not Covered
Insurance policies are contracts. If you haven’t upgraded your locks since moving in, or if you’ve recently changed your doors for aesthetic reasons, you might have inadvertently voided your cover.
How we can help:
1. Check Your Schedule: Read your insurance policy’s “Minimum Security” section today.
2. The Photo Test: Snap a clear photo of the side of your open door (showing the lock plate) and send it to us or bring it into our shop.
3. Compliance Audit: Our team can visit your home to perform a full security audit, ensuring every entry point meets or exceeds SA insurance standards.
Visit us at our shop in Gants Plaza to see our range of insurance-approved 5-lever locks and high-security cylinders.
