Home Safes Insurance Rating Systems

There are many home safes on the marketcomposite construction with a 5" thick door and a
today, and like many industries, it has its own2" thick body, 1-1/2" bolts, full length hinge side
vocabulary. But everyday people own homelocking bar, dual re-locks, and a drill resistive hard
safes,and most do not want to learn the industryplate.
lingo in order to purchase the one that is best forTL-30 Safes
them. Most safes are security and fire tested byThese are the top of the line in the safe building
the independent Universal Laboratories, and haveindustry. You will find TL-30 Safes for commercial
a UL rating based upon the security and fireuse in jewelry stores, credit unions, pawn shops,
testing that they have passed. These I haveand homes that only want the best in quality
discussed in previous articles, so today I want tosafes. The next best thing is the vault at Fort
take a look at other rating systems that youKnox! The TL-30 has several relockers and
may come across when you are shopping for ahardplate on top of hard plate. It also has ball
safe, many that meet agreed upon insurancebearings sandwiched in between layers. A 1-1/2
standards.hour UL fire rating is standard, and a TL-30 will
B-Rated Security Steel Safesalso have the same basic features mentioned
A B-Rated safe meets a set of agreed uponabove for the TL-15 home safes.
insurance standards. The B-rating basically wants aIt is important to notify your insurance company
safe to have a minimum of a 1/2 inch steel in theif you purchase one of these home safes (a
door and 1/4 inch steel in the body. It also mustTL-15 or TL-30) because they may give you a
have a drill resistant hardplate around the lock.discount on your home owners content insurance.
One thing to be aware of is that many of theseEuropean Grade 1 Safes
safes do not have any fireproofing, only steel.This is the European equivalent of our American
This is for maximum dollar to steel protectionTL-15, though they are put together different
against theft. They often contain huge andthan the American safe. It is a fantastic design
numerous locking bolts, and have predrilled holes inwith a lot of thought put into its design. The fire
the bottom so that they can be anchored to anyrating is at 2000 degrees for one hour, which is a
foundation. They are designed as a maximummuch higher temperature than we test at in the
security safe that is affordable, just be aware ofU.S. One thing you will notice is the weight is as
their fire rating, because a B-rated safe does notmuch as 70% lighter and it has no exterior hinges.
have to meet any minimum fire resistant testing.They depend on the bulk of the steel being "Drill
TL-15 SafesResistant Hard Plate". If you are interested in a
These are popular jewelry safes or vaults asTL-15, it is worth considering European Grade 1
some like to call them. These are mainly used inhome safes before purchasing, you will be
jewelry stores, check cashing establishments,impressed with the features. Excellent insurance
pawn shops, or by collectors of very expensiverating and they are also ready to bolt to the floor
items. These home safes are UL listed with bothor wall.
a Fireproof Safe rating and Burglary rating. TheseSo, if you have a lot of valuables to protect,
home safes are also insurance rated and comeconsider home safes with any of the above
with predrilled holes for easy bolting down to theratings. Not only do you get superior protection
floor. These safes are heavy and not fun toand security, but you may also save a bit on your
move.home owners insurance.
Some basic features of TL-15 safes are