Do Burglar Bars Affect Homeowners' Insurance?

by Jane Meggitt ; Updated July 27, 2017
Wrought iron

Burglar bars, also known as security bars, can deter criminals from entering your home. Under certain circumstances, installing such devices can reduce your homeowners' insurance premium. If you use them along with other safety measures, such as burglar alarms or dead-bolt locks, your insurance company might offer you a discount of up to 15 percent. However, the burglar bars must include a quick release system. Otherwise, they're considered a fire trap and you might not qualify for home insurance. Such bars are likely illegal under your local building codes.

Retrofitting Burglar Bars

If you have an older set of burglar bars without a quick release system, you don't necessarily have to replace them. Contact a home security company to see if your burglar bars with a key mechanism can be retrofitted with a push button. Once you have your burglar bars retrofitted -- or new ones installed -- ensure that every member of the family knows how to operate the quick release in case of emergency. Provide your insurance company with proof of the quick-release system installation or the acquisition of new burglar bars.

About the Author

Jane Meggitt has been a writer for more than 20 years. In addition to reporting for a major newspaper chain, she has been published in "Horse News," "Suburban Classic," "Hoof Beats," "Equine Journal" and other publications. She has a Bachelor of Arts in English from New York University and an Associate of Arts from the American Academy of Dramatics Arts, New York City.

Photo Credits

  • AntonChalakov/iStock/Getty Images
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