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Insurance Ratings

of Safes

Insurance ratings for safes vary based on their use and the security measures in place. For instance, a safe in a private home often qualifies for a higher rating than the same model in a commercial environment. Additionally, connecting the safe to a certified burglar alarm system can potentially double the insurance rating. It’s advisable to check with your insurance provider to ensure the appropriate level of coverage.

Tip: Look for certifications from recognized institutions like VdS, ECB-S and VSÖ to maximize acceptance with insurers. Avoid unfamiliar labels, commonly seen on budget safes, to prevent complications in case of a claim.

Versicherungssummen 1

Insurance

Ratings

The insurance cover for safe contents varies depending on use and security precautions. Insurance providers differentiate between private and commercial usage. As a result, a safe in a private household can be insured for a higher amount than the same model in a commercial setting. If the safe is additionally secured by a certified burglar alarm system, the insured amount can be doubled.

*The listed, non-binding recommended insurance amounts apply to Austria and Germany.
Double the insurance amount applies to safes that are directly connected to a certified burglar alarm system.
Please note that not all series are CNPP-certified. Further details can be found on the respective model pages.
Resistance Units (RU) are measurement units according to EN 1143-1, which quantify the resistance of a safe against burglary attempts using mechanical and thermal tools.
EMA = Intruder alarm system

    Private
    VdS | ECB·S VSÖ-VVO CNPP (A2P) Ratings without / with EMA Description
    Grade I / D-I
    Class EN 1
    Class I E
    EUR 65.000
    without EMA*
    EUR 130.000
    with EMA*
    		A safe with security grade I / D-I offers a resistance value of 30/50 RU against burglary in accordance with EN 1143-1.*
    Grade II
    Class EN 2
    EUR 100.000
    without EMA*
    EUR 200.000
    with EMA*
    		A safe with security grade II offers a resistance value of 50/80 RU against burglary in accordance with EN 1143-1.*
    Grade III
    Class EN 3
    EUR 200.000
    without EMA*
    EUR 400.000
    with EMA*
    		A safe with security grade III offers a resistance value of 80/120 RU against burglary in accordance with EN 1143-1.*
    Grade IV
    Class EN 4
    EUR 400.000
    without EMA*
    EUR 800.000
    with EMA*
    		A safe with security grade IV offers a resistance value of 120/180 RU against burglary in accordance with EN 1143-1.*
    Grade IVKB
    Class EN 5
    as agreed upon
    without EMA*
    as agreed upon
    with EMA*
    		A safe with security grade IV KB offers a resistance value of 180/270 RU against burglary in accordance with EN 1143-1.*
    Grade V
    Class EN 5
    as agreed upon
    without EMA*
    as agreed upon
    with EMA*
    		A safe with security grade V offers a resistance value of 180/270 RU against burglary in accordance with EN 1143-1.*
    Grade VKB
    Class EN 6
    as agreed upon
    without EMA*
    as agreed upon
    with EMA*
    		A safe with security grade V KB offers a resistance value of 270/400 RU against burglary in accordance with EN 1143-1.*
    Commercial
    VdS | ECB·S VSÖ-VVO CNPP (A2P) Ratings without / with EMA Description
    Grade I / D-I
    Class EN 1
    Class I E
    EUR 20.000
    without EMA*
    EUR 40.000
    with EMA*
    		A safe with security grade I / D-I offers a resistance value of 30/50 RU against burglary in accordance with EN 1143-1.*
    Grade II
    Class EN 2
    EUR 50.000
    without EMA*
    EUR 100.000
    with EMA*
    		A safe with security grade II offers a resistance value of 50/80 RU against burglary in accordance with EN 1143-1.*
    Grade III
    Class EN 3
    EUR 100.000
    without EMA*
    EUR 200.000
    with EMA*
    		A safe with security grade III offers a resistance value of 80/120 RU against burglary in accordance with EN 1143-1.*
    Grade IV
    Class EN 4
    EUR 150.000
    without EMA*
    EUR 300.000
    with EMA*
    		A safe with security grade IV offers a resistance value of 120/180 RU against burglary in accordance with EN 1143-1.*
    Grade IVKB
    Class EN 5
    EUR 250.000
    without EMA*
    EUR 500.000
    with EMA*
    		A safe with security grade IV KB offers a resistance value of 180/270 RU against burglary in accordance with EN 1143-1.*
    Grade V
    Class EN 5
    EUR 250.000
    without EMA*
    EUR 500.000
    with EMA*
    		A safe with security grade V offers a resistance value of 180/270 RU against burglary in accordance with EN 1143-1.*
    Grade VKB
    Class EN 6
    EUR 375.000
    without EMA*
    EUR 750.000
    with EMA*
    		A safe with security grade V KB offers a resistance value of 270/400 RU against burglary in accordance with EN 1143-1.*