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Understanding Safe Ratings and Certificates

Understanding Safe Ratings and Certificates
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Every year, hundreds of home and business owners opt for safe installation. This is a wise decision given that this device can keep valuables effectively protected from burglar attacks. Some models are designed to offer fire protection and even water protection as well. The question is whether you are prepared to make the right choice as a buyer. Here you will find everything that you need to know about the ratings of these devices and the certificates issued to them.

Making the Best Decision

Understanding Safe Ratings and CertificatesA cash rating system is used for safes. Each grade in the rating system corresponds to a particular cash value. This means that this is the maximum amount of cash that can be stored in the device and covered by an insurer. Devices with higher cash rating are more secure and consequently give you the opportunity to storage larger amounts of cash. In case of unauthorised safe opening and theft of the cash, the insurer will be obliged to compensate you up to the maximum amount determined by the grade.

The cash ratings are also used for determining the maximum value of other items that can be kept inside such as jewellery pieces and works of art. Usually, the maximum value is ten times the maximum cash value. Still, it is important to check with your insurer to be on the safe side. As you can see, things are not as simple as with lock change.

The next logical question to ask is how reliable these ratings are. In order for an insurer to cover the contents of the safe, the device must come with acceptable certificates confirming its capabilities and quality. These certificates are issued by manufacturers and independent laboratories. Naturally, the independent certificates are more important and more highly valued. In fact, most insurers will accept certificates from specific laboratories only. Since it is difficult and time-consuming to research reliable independent testing laboratories, it is best to talk directly to your insurer to see what types of safes they approve.

Having the safe unlocked by burglars is not the only threat to the valuables inside. The damaging power of fire must not be underestimated. That is why most property owners choose a device that is fire resistant. There are no fire-resistance ratings, but there are independent certificates issued by testing laboratories. They state how long the valuables can be preserved for given the surrounding temperature.

Finally, it is important to look at the overall quality of the device and to assess risks such as the one of safe lockout.

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