Do Security Shutters Reduce Home Insurance Premiums?

Security shutters can help with a home insurance application, but there is no blanket rule that fitting them earns you an automatic discount — it depends entirely on your insurer and what standard, if any, they ask your security measures to meet. This article explains how insurers actually treat security upgrades like shutters, using how they already treat locks as the clearest working example, so you know what to check before assuming shutters will lower your premium.

How Insurers Actually Treat Home Security Upgrades

Home insurers commonly reward security measures that meet a named, recognised standard rather than the product category itself. The clearest example is door locks: many insurers specify a five-lever mortice deadlock conforming to British Standard BS3621 on external doors as a condition of cover, or as the basis for a discount, rather than simply asking whether a lock is fitted at all. The same logic applies across most other security products, including shutters — insurers respond to a verifiable standard, not a generic claim that a property is “more secure.”

Is There a Recognised Standard for Security Shutters?

Security shutters and grilles are sometimes specified or rated against LPS 1175, a UK security-rating standard covering resistance to forced entry, more commonly seen on commercial and higher-risk premises than on a typical domestic quote. If your insurer's policy documents mention a specific rating or standard for shutters, that is the detail to check your shutter's specification against — a generic description of “security shutters” without a stated rating is unlikely to carry the same weight with an underwriter as a named standard would.

What to Do Before Assuming a Discount

• Ask your insurer directly whether they offer a discount for security shutters, and if so, what standard or specification qualifies.

• Keep the product specification and any rating documentation for your shutters — an underwriter will want to see this, not just a description.

• Do not assume shutters replace the locks and other measures your policy already requires; they are usually an addition, not a substitute.

• Re-check with your insurer at renewal, since security-related discounts and requirements do change between insurers and policy years.

Why It Is Still Worth Fitting Them Regardless of the Discount

Even where a shutter does not translate into a specific premium discount, a genuine physical barrier over a vulnerable window or door reduces the likelihood of a successful break-in in the first place — which matters more to most homeowners than the discount itself, and can support a claim if a break-in is attempted and the security measures in place are relevant to the outcome. Browse our shutters range if you are considering fitting them, including our garage roller shutters for garage-specific openings.

Frequently Asked Questions

Will fitting security shutters automatically lower my home insurance?

Not automatically — it depends on your insurer and whether your shutters meet a specific standard they recognise. Ask your insurer directly rather than assuming a discount applies.

What security standard do insurers look for on shutters?

There is no single universal standard the way BS3621 works for locks, but LPS 1175 is a recognised UK security rating sometimes referenced for shutters and grilles, particularly on higher-risk or commercial properties. Check your policy documents or ask your insurer which standard, if any, they specify.

Do shutters replace the locks my insurer requires?

No — shutters are typically an addition to, not a replacement for, the locks and other security measures your policy already requires on doors and windows.

Should I tell my insurer before fitting security shutters?

It is worth informing them, both to check whether a discount applies and to make sure the shutters are recorded against your policy in case they become relevant to a future claim.

Conclusion

Security shutters are a genuine security upgrade whether or not your insurer offers a discount for them — but if a lower premium is part of the reason you are considering them, ask your insurer first what standard they actually recognise, rather than assuming the product category alone qualifies. Browse our shutters range, including garage roller shutters, and check with your insurer before you order if a specific rating matters to your policy. For extra protection at entry points, see our locks range too.