Lock Bumping and Your Insurance Policy

One of the biggest problems with lock bumping burglaries is there is no sign of forced entry. In legal speak, "it may not show any forensic indicia of such attack." This can cause trouble for you if you get bumped, especially if there is a mysterious-disappearance exception within your insurance policy, which is common.

This exception means that your insurance provider my deny your claim and refuse coverage for unexplained loss or inventory shortage if there is no proof of entry because they can assume the door was left unlocked. However, some insurance companies will give you a discount on your insurance if you install high-security (anti-bump) locks.

You should check with your insurance carrier to determine the limits of coverage and if you get a discount for installing high-security locks.