Home Safes Guide

What you should know before you purchase a safe for your home or office

safe haven

Thank you for visiting the Free Bullion Investment Guide.

Before you read on about Home Safes and what you should know before you purchase one, I want to inform you of the #1 Way to Keep Your Home and Valuables Safe:

Don't Tell Anyone What You Own (except those you trust with your life).

The majority of home and office burglaries are made by someone the owner knows or has met.

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Facts about Home Safes

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

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

Safe Manufactures also produce Water-Proof safes, but, generally you will see this classification of safe as an additional option of protection to one of the three different kinds of safe.

Open Safe

One of the first things that should be known about all safes is that:

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 affecting the contents of 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 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.

A Water-Proof safe keeps water out, but if you somehow get moisture inside your safe, a Water-Proof safe will also keep the moisture in, below there is a section titled 'Moisture - Keep it Out of Your Safe' see it to help you protect your safe from this invisible enemy.

*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 (UL)

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:

UL - 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.

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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.

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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.

Important Note: the number after the Class of safe stands for the number of minutes the safe resisted penetration.

ul tl-15 tag label

Tool-Resistant - Class TL-15 Rated 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.

Class TL rated Safes have been able to resist penetration from these methods for 15, 30, or 40 minutes.

The safe will resist abuse from tools such as hand tools, picking tools, mechanical or electrical tools, grinding points, carbide drills, devices that apply pressure, cutting wheels and power saws.

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.”

Tool-Resistant - Class TL-15 x 6 Rated Safe

The only difference in this Rated Safe compared to the TL-15 (15-minute) test is that the test is conducted on all six (6) sides of the safe.

Tool-Resistant - Class TL-30 Rated 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.

Tool-Resistant - Class TL-30 x 6 Rated 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.

Torch and Tool Resistant Safe - Class TRTL-30

This is a combination locked safe that offers high protection against combinations of mechanical, electrical, and cutting tools. The safe will resist abuse for 30 minutes from tools such as hand tools, picking tools, mechanical or electrical tools, grinding points, carbide drills, devices that apply pressure, cutting wheels, power saws, impact tools and, in addition, can withstand an oxy-fuel welding and cutting torch (tested gas limited to 1,000 cubic feet (28 m3) combined total oxygen and fuel gas.)

Torch and Tool Resistant Safe - Class TRTL-60

This class meets all the requirements for Class TRTL-60 and, in addition, can withstand high explosives such as nitroglycerin or equivalent to not more than 4 ounces (110 g) of nitroglycerin in one charge (entire test must not use more explosive than that equivalent to 8 ounces (230 g) of nitroglycerin).

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.

Keep it Out of Your Safe

Moisture of any kind can be an invisible enemy to the contents of your safe.

It can cause mold, mildew, rust, and foul smells; also, if this problem isn't taken care of quickly it can ruin most, if not, all of the contents of a safe.

Waterproof safes were briefly mentioned above; these safes are made to keep moisture out, but once moisture finds its way inside, it can be very hard to get it out.

A friend of mine who owned a Waterproof safe found this out firsthand.

On a rainy day he received an item he wanted to put in the safe, and without thinking about it, after he had taken the item out of the mailbox, he took it to his safe and put it inside - intending to take it out of the packaging later.

Several days later he opened his safe to get his package, and when he opened the door, a foul smell overwhelmed him. 

The package had some moisture soaked into it when he put it inside the safe.  

The package had started to show a few mildew spots; other items in the safe were also showing signs of mildew - needless to say, a lot of cursing ensued.

Without going into a lot of detail, a third of the items in the safe were damaged from his mistake, and after several failed attempts to rid the safe of the mold, he ultimately had to get rid of the safe in the end.
Don't let this happen to you, no matter what kind of safe you have, protect your items from moisture and humidity.  

A combination of silicon packets and a dehumidifier is the best solution to prevent this issue from arising. 

Find More Dehumidifiers at Gunsafes.com

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Burglaries in America
FBI Statistics

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.
  • Only 13 percent of reported burglaries are solved, or "cleared," by the police.
  • Only 15 percent of property stolen in burglaries is recovered by the police.
  • Nearly 80 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.
  • 16.9 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.
  • 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.

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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

  • Purchase Door Reinforcements or Door Armor
  • 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
  • Get a big Dog or two!

Safe Manufacturers

There are many safe manufacturers selling safes on the market; the question many people ask 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.

Top Burglary Proof Home Safes

Top Fire Proof Home Safes

Where You Can Buy a Safe


Items weighing over 150 lbs include 

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You'll Find the following Safes at GunSafes.com

  • Gun Safes 
  • Handgun Safes
  • Home & Office Safes
  • Fire Safes
  • Wall Safes
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  • Sporting Goods


GunSafes.com - Customer Review Links

GunSafes.com - Shopper Approved - Reviews page


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