Best Insurance Considerations for Smart Locks for Lower-Risk Keyless Entry

The best insurance considerations for smart locks begin with the hardware, not the policy. A lock that loses power, drops its wireless link, or lacks a physical key can turn a minor claim into a denied one, so the picks below favor models with backup entry and proven build quality. Three buyer profiles drive this list: renters who need easy code changes, homeowners who want app and voice integration, and budget buyers who still want a real deadbolt. The overview table below sorts all five by key spec and price tier.

Overview of the Picks

Product	Key Spec	Best Use	Price Tier
Complete Protect	Covers eligible past & future Amazon purchases	Protecting the lock purchase itself	Budget
eufy Security Smart Lock C220	Fingerprint keyless entry, IP53, BHMA Grade 3	Main entry with biometric access	Mid-range
Schlage Encode Smart WiFi Deadbolt	Certified security, Alexa/Google/Ring/Airbnb	Smart-home households and rentals	Premium
myQ Secure View 3-in-1 Smart Lock	2K HDR doorbell camera plus deadbolt	Front doors needing visual verification	Premium
Philips WiFi Smart Keypad Deadbolt	No hub needed, backlit keypad, 2 keys	Simple app control on a budget	Budget

Complete Protect: One Plan Covers Eligible Past & Future Amazon Purchases

Type: Purchase protection plan
Coverage: Eligible past and future Amazon purchases
Term: One plan
Best For: Insuring the lock purchase itself

Complete Protect: One plan covers eligible past & future Amazon Purchases

Check the current price on Amazon

This is not a lock — it is a protection plan that extends coverage to eligible Amazon purchases, including a smart lock bought on the same account. For a homeowner weighing the best insurance considerations for smart locks, it answers the question of what happens if the hardware fails outside the return window. It suits buyers who want one plan rather than a separate policy per device.

Trade-off: A protection plan covers the purchase, not the door, the installation, or any damage a failed lock causes — buyers expecting liability coverage will need a separate policy.

eufy Security Smart Lock C220

Type: Front door smart lock deadbolt
Access: Fingerprint keyless entry
Connectivity: Built-in Wi-Fi, app remote control
Battery Life: Up to 8 months
Weather Rating: IP53 waterproof
Certification: BHMA Grade 3

eufy Security Smart Lock C220, Fingerprint Keyless Entry Door Lock

Check the current price on Amazon

The C220 pairs a fingerprint reader with built-in Wi-Fi, so there is no hub to add and no bridge to fail. BHMA Grade 3 is the entry-level residential security grade, which is the baseline insurers and landlords tend to accept, and IP53 means it tolerates dust and light rain on an exposed door. The eight-month battery estimate is generous for a Wi-Fi lock, and app control covers remote unlocks and code management.

Trade-off: Grade 3 is the minimum residential rating, so buyers in high-crime areas or with expensive contents may want a higher-grade cylinder.

Schlage Encode Smart WiFi Deadbolt with Century Trim

Type: Smart WiFi deadbolt with touchscreen keypad
Access: Keypad, app control
Compatibility: Alexa, Google Home, Ring, Airbnb
Finish: Matte Black with Century Trim
Certification: Certified security

Schlage Encode Smart WiFi Deadbolt Lock with Century Trim

Check the current price on Amazon

Schlage is the name adjusters and property managers recognize, and the Encode carries a certified security rating plus Wi-Fi built in. The Airbnb compatibility matters for short-term rental hosts, who can rotate codes per guest without handing out keys. The Century trim in matte black suits traditional and transitional doors, and the touchscreen keypad avoids worn buttons that hint at the code.

Trade-off: The premium price buys brand trust and ecosystem support rather than extra features, and the matte black finish shows fingerprints on the keypad.

myQ Secure View 3-in-1 Smart Lock Deadbolt with Camera

Type: Smart lock deadbolt with integrated doorbell camera
Access: Face, fingerprint, and PIN
Camera: 2K HDR with color night vision
Audio: Two-way
Included: Extra battery
Control: App

myQ Secure View 3-in-1 Smart Lock Deadbolt + Extra Battery

Check the current price on Amazon

This model combines a deadbolt, a doorbell, and a 2K HDR camera with color night vision in one unit, which removes the separate doorbell install and its wiring. Face, fingerprint, and PIN access give three entry routes, and two-way audio lets a homeowner talk to a delivery driver without opening the door. The bundled extra battery addresses the obvious weakness of a camera-equipped lock: power draw.

Trade-off: A camera and a lock in one housing means a single failure takes out both entry and surveillance, and the recording features are only as useful as the subscription behind them.

Philips WiFi Smart Keypad Deadbolt Lock

Type: WiFi smart keypad deadbolt
Access: Keypad, two physical keys, voice control
Power: No hub needed
Features: Auto-lock, one-touch lock, activities log, flexible codes
Keypad: Backlit
Control: App remote control

Philips WiFi Smart Keypad Deadbolt Lock

Check the current price on Amazon

The Philips lock keeps two physical keys in the box, which is the single most useful insurance consideration on this list — a dead battery never locks a buyer out. Wi-Fi is built in with no hub required, and the backlit keypad stays usable after dark. Flexible codes, an activities log, and auto-lock cover the essentials renters and small landlords ask for.

Trade-off: The budget price tier usually means a lighter-duty cylinder and housing than premium brands, so it suits a secondary door better than a lone main entry.

Before You Buy

• Certification: A BHMA grade or certified security rating is the first thing an insurer or landlord looks for; confirm the lock carries one.
• Backup entry: A physical key or a keypad bypass matters when the battery dies or the app goes down.
• Power source: Battery life estimates assume normal use; camera-equipped locks drain faster and need a spare cell on hand.
• Connectivity: Built-in Wi-Fi removes a hub from the chain, but it also means the lock depends on the router staying up.
• Door fit: Deadbolt backsets and door thickness vary, so measure before ordering to avoid a return.
• Finish and exposure: An IP rating matters on an uncovered door; matte finishes show handling marks.
• Coverage: A hardware protection plan covers the device, not the door or its contents — read what is excluded.

Frequently Asked Questions

1. Does a smart lock affect homeowners insurance?
   Usually not the premium directly, but a certified lock with a documented rating supports a claim and can satisfy landlord or insurer requirements.

2. What is the best insurance consideration for a smart lock?
   Backup entry. A key or keypad bypass means a dead battery or app outage cannot lock the owner out or force a break-in.

3. Is BHMA Grade 3 good enough for a front door?
   It is the minimum residential grade and is widely accepted, though higher grades offer more resistance.

4. Do Wi-Fi locks need a hub?
   Models with built-in Wi-Fi do not; others need a bridge, which is one more device that can fail.

5. Should a camera lock and a deadbolt be one unit?
   It saves installation work, but a single failure disables both entry and surveillance.

6. Does a protection plan replace a home warranty?
   No. A plan like Complete Protect covers the purchase, not the property or liability.

Bottom Line

For most buyers, the eufy Security Smart Lock C220 is the safest balance of certified build, fingerprint access, and built-in Wi-Fi at a mid-range price. Pair it with a purchase protection plan if the hardware cost is the worry, and step up to the Schlage Encode when a recognized brand name matters to an insurer or a rental platform.