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Many insurance providers offer policy discounts when adding security features to your home. The best way to find out if new locks will reduce your premium is to simply ask your agent.

A smart lock is a variation of a traditional lock, and since it uses similar locking mechanisms, it’s technically not any safer. The difference is that a smart lock requires a login instead of a physical key. Some smart locks have added safety features, like shutting down after too many attempts with the wrong code. Some smart locks are considered harder to pick than traditional locks, which can further deter intruders.

Keyless locks are great for convenience, letting you unlock doors with a code or your phone so you don't need to carry keys around. They also often come with helpful features like temporary codes for guests. On the downside, they can be more costly up front and do require batteries that will eventually need replacing. If you value ease of use and additional security features, keyless locks are worth the investment.

There’s no set time limit for when you should replace your locks, but there are several indicators that it’s time to swap them. If you’re moving into a new home or have a roommate moving out, it’s smart to change the locks. If you experience a break-in or other crime, you should change it then too, or if you ever lose your keys. Eventually, locks can wear out, so it’s ideal to replace them after several years of use or one of these circumstances occurs.