Home Safes

Thank you for visiting the guide, before you read on about Home Safes and what to look for when purchasing one, I want to inform you of the #1 Way to Keep Your Home and Valuables Safe:

Don't Tell Anyone What You Own

The video to the right was made by a well known YouTube 'Silver Stacker,' in the video he informs his viewers of the ways he keeps his valuables 'safe.'


Door Jamb Armor from Armor Concepts provides professional-strength security against door kick-ins.

Affiliate Ad

When someone thinks of storing precious metals bullion in they're home, the first thing that often comes to mind is a Home Safe.

There are three types of home safes on the market today, they include; Fire Proof Safes, Theft Protection Safes and a combination of the two.

Safe Manufactures have also started to produce waterproof safes, because often where there is fire, water isn't far behind.

Generally you will see this classification of safe as an additional option of protection to one of the three different kinds of safes.

Open Safe

One of the first things that should be known about all safes, and that is No Safe is Impenetrable.

Safes are classified either by how long a safe can keep a burglar out or how long it can keep a fire from effecting the contents inside the safe.

What's the Difference from a Fire Safe to an Anti-Burglary Safe?

Fire Protection Safes

fire protection symbol

Home Safes that are classified as strictly for Fire Protection are usually made of thin sheet metal, hard plastic or with a composite materials with some type of insulation or fire board mounted inside the safe.


When a "Water-Proof" classification is added to a fire safe it means the door of the home safe or any other areas that can be exposed to the outside air have been waterproofed using a seal around these areas.

*Important Note*: Fire Safes usually are not a good anti-burglary unit, unless they are under both classifications; Fire Proof/Anti-Burglary Safe.

Underwriters Laboratories

Underwriters Laboratories Inc. (UL) is an independent product safety certification organization. Established in 1894, the company's headquarters is in Northbrook, Illinois.

UL develops standards and test procedures for products, materials, components, assemblies, tools and equipment, chiefly dealing with product safety.

There are many testing companies for safes, but the one that is used the most by the Home Safe Manufacturing industry and Insurance Companies is Underwriters Laboratories (UL).

When a safe passes one of their tests, the Safe is awarded with a specific rating and the manufacturer will mount a label on the safe itself to indicate that it has passed the test.

When searching for the right safe for you, it is always good to look for home safes that have been tested by UL because most insurance companies trust their testing standards.

Underwriters Laboratories Fire Proof Safe Ratings System

Underwriters Laboratories ratings system is based on the following three tests:

Fire Endurance Test

half hour fire protection

1/2 Hour - UL class E - 350 Rated Safe: The unit is heated for one-half hour to reach an exterior temperature of 1550'F.

Paper will begin to char at approximately 405'F, the unit being tested must maintain an interior temperature of less than 350 degrees during heat-up and cool-down testing in order to earn its rating.

one hour fire protection

1 Hour - UL class D - 350 Rated Safe: The unit is heated for one hour to reach an exterior temperature of 1700'F, Like the 1/2 hour test, the safe must maintain an interior temperature of less than 350 degrees throughout the test.

one hour plus

1 Hour Plus - UL class C - 350 Rated Safe: The unit is heated for one hour to reach an exterior temperature of 1700'F, Like the 1/2 hour test, the safe must maintain an interior temperature of less than 350 degrees throughout the test.

two hour fire protection

2 Hour - UL class B - 350 Rated Safe: The unit is heated for two hours to reach an exterior temperature of 1850'F, During the complete process, the interior of the safe cannot go above 350 degrees.

four hour fire protection

4 Hour - UL class A - 350 Rated Safe: The unit is heated for four hours to reach an exterior temperature of 2000'F, During the complete process, the interior of the safe cannot go above 350 degrees.

Explosion on Hazard Test

exploding safe

The Explosion on Hazard Test determines whether or not the design of the home safe is protected against explosions or intense heat.

If the home safe construction is faulty, the sudden high temperature will cause hydrogen-air-stream mixtures in the insulating material to explode, rupturing the safe walls. This rupture will destroy much of the safe’s resistance to fire.

The test for explosion involves an empty safe, inside a closed furnace preheated to 2000 degrees F. The unit is placed inside the closed furnace for 30 minutes (2 hour test is 45 minutes, 4 hour test is 60 minutes) while the heat is maintained at 2000'F.

After the test time has past, the unit is allowed to cool. If there is no rupture in the insulation, the unit passed the test.

The Fire Impact Test

This test simulates a safe falling from a three story building, simulating the results from a fire that has weakened a structure.

The home safe is heated to 2,000 degrees Fahrenheit in a furnace, then within two minutes, taken out of the furnace and raised three stories high and dropped onto a pile of bricks.

To pass the test, the safe can not pop open and the temperatures inside the safe can not rise above 300'F and papers inside have to be ledge-able.

Note: Home Safes with class ratings of A, B, and C are subjected to all three tests. Safes in classes D and E are not subjected to the Fire Impact Test.

Theft Protection Safes & Anti-Burglary Safes

break into safe

Anti-Burglary Home Safes are usually made of solid steel plating or a combination of solid steel and composite fill material such as concrete mixed with fire retardant filler.

These safes are divided into categories based on the level of protection delivered and the testing they are subjected to.

The following seven Anti-Theft ratings are the rating classes UL gives to most Home Safes: B-Rate, UL RSC Rating, B/C Rate, C-Rate, UL TL-15, UL TL-30 and TL-30 X6.

UL Anti-Theft Ratings System

B Rate Safe - A "B" rated safe is not a U.L.™ rating for a safe, instead it is a general rating for basically any box with a lock on it. A safe labeled with this standard rating has a 1/4in. thick steel body, 1/2in. thick steel door. No tests are given to provide this rating.

C Rate Safe - Like the "B" rated safe, the "C" rated safe is not a UL rated safe. A C-rated safe is a general rating is defined as a safe with 1/2in. thick steel box with a 1in. thick steel door and a lock.

B/C Rate Safe - A "B/C" rated safe is a general rating for safes with at least a 1/4in. steel body, 1/2in. steel door, plus an additional 10 or 12 gauge metal layers where composite fire resistant material is also deployed. No UL tests are given to provide this rating.

U.L. Residential Security Container rating (RSC)

A safe with a "RSC" rating must withstand a total net time of five minutes of rigorous prying, drilling, punching, chiseling, and tampering attacks and must be tested using specific common burglary tools on all sides, and prevent the intruder from opening the safe for those net five minutes of working time.

ul tl-15 tag label

TL-15 Rate Safe – Any safe given a U.L. TL-15 rating have passed standardized tests defined in the Underwriters Laboratories Standard 687, using the same tools and usually the same group of testing engineers.

Safes with this rating have the following construction requirements:

  • U.L. listed Group II, 1 or 1R combination lock.
  • 750 lbs. minimum or comes with instructions for anchoring in a larger safe, concrete blocks or on the premises where used
  • Body walls of material equivalent to at least 1in. open hearth steel with a minimum tensile strength of 50,000 P.S.I.
  • Walls fastened in a manner equivalent to continuous 1/4? penetration weld of open hearth steel with minimum tensile strength of 50,000 P.S.I.
  • One hole 1/4in. or less, to accommodate electrical conductors arranged to have no direct view of the door or locking mechanism.
  • The label means that the safe successfully resisted entry for a NET working time of 15 minutes using common hand tools, drills, punches hammers, and pressure applying devices. Net working time means “when the tool comes off the safe the clock stops.”

TL-30 Rate Safe – A safe given a U.L. TL-30 rating has the same construction requirements as the TL-15 above.

Tests are the same as the TL-15 tests except for the net working time. The testers are allowed 30 minutes and a few more tools (abrasive cutting wheels and power saws) to help them gain entrance to the safe.

The label signifies the testers were unable to open the door within 30 minutes. Keep in mind these engineers have the manufacturing blue prints and can disassemble the safe being tested before the test begins to see how it works.

TL-30 x 6 Rate Safe – The only difference in this Rated Safe compared to the TL-30 (30-minute) test is that the test is conducted on all six (6) sides of the safe.

UL Combination Lock Ratings Systems

combination lock

Another feature that is included on home safes that have UL ratings is the safes locking system. In many cases the lock is one of the first areas a burglar will attack when trying to gain access to a safe.

Listed Below are the UL standard ratings for safe locks.

Group 2 Combination Lock -
Some resistance to opening attempts, Not suitable for any UL Rated safes.

Group 2M Combination Lock -
2 hours resistance to expert attacks, Used on TL-15, TL-15×6, and TL-30 safes.

Group 1 Combination Locks -
20 hours resistance to expert attacks, Special construction techniques not found in other locks, Can be found on any UL rated safe but must be used (or Group 1R used) on TRTL rated safes and TXTL rated safes.

Group 1R Combination Locks - 20 hours resistance to expert attacks, Resistance to radio-logical techniques (ex: X-rays). Synthetic polymers must withstand aging and humidity, special construction techniques not found in other locks, can be found on any UL rated safe but must be used (or Group 1 used) on TRTL rated safes and TXTL rated safes.


Additional Information on Anti-Theft Safes

High Security Safes TL-15, TL-30 with Dye the Safe Guy

There are a lot of things you want to consider before buying a quality home safe, the Safe and Vault Store.com has one of the best buying guides on the web for potential buyers of safes, you may want to check it out here if you have more questions about buying a safe for your home.

FBI Statistics on Burglaries in America

If you are looking to buy a home safe to protect your bullion from burglary, you might want to first take a look at the FBI's Theft Statistics

  • A burglary occurs approximately every 15 seconds in the United States.
  • About 30 percent of all burglaries are classified as "unlawful entry," meaning the burglar was able to gain entry without using force — often through an unlocked door or window.
  • Nearly 66 percent of all burglaries are residential, and of those, 62 percent occur during the daytime. Most burglaries occur between 9 a.m. and 3 p.m., when no one is likely to be at home.
  • Renters are more likely to be the victims of property crime than homeowners.
  • Only 13 percent of reported burglaries are solved, or "cleared," by the police.
  • Only about 15 percent of property stolen in burglaries is recovered by the police.
  • Nearly 85 percent of all burglaries occur in large metropolitan areas.
  • Almost half of the nation's reported burglaries occur in the South: 45 percent, as opposed to the Northeast's 11%, the Midwest's 20% and the West's 24%.
  • The highest percentage of burglaries occur during the summer months of July and August, when many people are away from their homes on vacation, or have left windows open for ventilation.
  • Doors are the second highest point of entry for residential burglaries. Of the burglaries that are caused by forced entry, most are caused by kicking in a door.
  • Arrest records reported to the FBI indicate that approximately 70 percent of all burglary arrestees are white and 86 percent are male.
  • About 30 percent of private homes have security systems. Homes without security systems are two to three times more likely to be broken into.

These statistics are here to make you aware of where and how most burglaries occur, if your current home falls into one of these statistics, perhaps off premise bullion storage would be a better route for you to look into.

Safe Manufacturers

There are tonnes of safe manufacturers selling safes on the market, the question many people ask themselves is what brands are the best.

While researching safe manufacturers in the preparation for this page, these safe manufactures have been found to be in the top of there industry.

Burglary Protection and Fire Proof Safes

Top Fire Proof Home Safes

At the bottom of the page there is a list of online home safe retailers that offer all or most of the safe manufacturer's products listed above

Home Safe & Security Protection Tips

Home Safe Tips

  • Do Not Talk about Your Safe or it's Contents with Others
  • Bolt your safe to the floor
  • Put the safe (if possible) in a place where a person could not get leverage to open it with tools.
  • Master Bedrooms or Bedrooms in general are the first place one looks to find a safe, choose your placement wisely.
  • To reduce fire risks to a safe, a basement or the lowest place in your house is often the best place to put a safe (unless your basement is prone to flooding).

Security Protection Tips

Protect Your Family

  • Purchase Door Reinforcements or Door Armor
  • Protect your family and assets with a self protection device or a TASER®
  • Use Smoke Detectors and Test it once a month.
  • Have ABC-type fire extinguishers in your kitchen, garage, and basement
  • Practice and plan with all members of your household so they know exactly what to do in case of fire or other emergency.
  • Have a working home alarm system and use Motion Censoring Outside Lighting
  • Plant thorny bushes or shrubbery near windows to discourage loitering or hiding
big dog over safe
  • Engrave your drivers license number into your valuables
  • Keep ladders, tools or items that could be used to gain access to your home locked up and out of sight.
  • Use a secondary blocking device on all sliding glass doors.
  • Use highly visible alarm decals or beware of dog signs
  • Build a High Wooden or Iron Picket style fence
  • Buy a big Dog or two!

Home Safe Retailers


50% or more of the Guide's Commissions, from its Affiliates, goes to St. Judes Children's Hospital. (starting June 2016)

* = Affiliate

Cookies Must be enabled on your computer for the Guide to receive a commission.

* GunSafes.com

* Amazon.com - the Guide's Home-Safe Store

Buy A Safe.com

Safe and Vault Store.com

Return from the

Home Safes page


Visit the Homepage

Protected by Copyscape
Written Permission Must Be Received to Reproduce
For Source of Information Purposes: Please Give a Return Link

Free Bullion Investment Guide

FWT Homepage Translator

NANO Cancer Awareness Ribbon for the Free Bullion Investment Guide

50% or more of this Guide's Earnings
from our Retail Affiliates
goes to

St. Jude Children's Cancer Research Hospital

The Guide's Contributions
Made with Your Help,
since March 2012

Next Ledger Entry 03/11/2017

Last Ledger Entry 2/11/2017

Who the Guide Sponsors & Why

Please Help Us Give
Supporting Our

Sponsors & Affiliates

recent guide updates

Homepage Bullion News updated daily - around 8pm

(except Saturdays)

Investing Gurus page  - updated as of 2/22/17

 Latest Blog Post

Gold Leads Silver

Precious Metals - Market Analysis


Weekly Review & Outlook

Affiliate page  - updated as of 2/17/17

Ledger  - updated as of 2/11/17

US Bullion Coin Mintage Figures as of 02/01/2017

Mexican Libertad Mintage Figures Updated as of 11/24/2016

Austrian Bullion Coins pages - updated w/ Mintages & re-edited11/16/2016

Austrian Platinum Philharmonic Bullion Coin -   11/16/2016

Cancer Awareness & Ribbons page

Note: Updates are listed in the Order that the Update was made.


50% or more of this Guide's Earnings from our Retail Affiliates
goes to
help those who are Battling Cancer


Protect Your Family

Liberty Safes

Free Shipping on All Orders

Silver Shield collection


Brownells Glock Banners