My insurance covers me in the case of theft. When I applied for my policy the adjuster asked me questions about my physical security. Do I have a deadbolt? Security system? Things like that. These variables (along with others, crime rate of my neighborhood, for example) were plugged in and I was given a policy with a premium tailored to my risk. If I lie about my risk to get a lower premium, then if I make a claim, then I won't be covered.
Consider a 100% purely hypothetical situation where I told my insurance company I have a deadbolt on my door. They issue me a policy based on that information. This policy has language in it that defines what a deadbolt is. I then replace my deadbolt with something that doesn't fit the language of my policy. I make a claim, and an insurance adjuster comes to my house. They notice that I was using a tool to secure my door that didn't fit with my policy language. Now I won't be covered because I didn't follow the policy.
Of course that's entirely hypothetical. Maybe (probably?) not even likely. But since it takes all of 5 minutes to verify if the new lock you are installing is compatible with your insurance policy, it would be braindead to not check.
My insurance covers me in the case of theft. When I applied for my policy the adjuster asked me questions about my physical security. Do I have a deadbolt? Security system? Things like that. These variables (along with others, crime rate of my neighborhood, for example) were plugged in and I was given a policy with a premium tailored to my risk. If I lie about my risk to get a lower premium, then if I make a claim, then I won't be covered.
Consider a 100% purely hypothetical situation where I told my insurance company I have a deadbolt on my door. They issue me a policy based on that information. This policy has language in it that defines what a deadbolt is. I then replace my deadbolt with something that doesn't fit the language of my policy. I make a claim, and an insurance adjuster comes to my house. They notice that I was using a tool to secure my door that didn't fit with my policy language. Now I won't be covered because I didn't follow the policy.
Of course that's entirely hypothetical. Maybe (probably?) not even likely. But since it takes all of 5 minutes to verify if the new lock you are installing is compatible with your insurance policy, it would be braindead to not check.
Just something to consider...