Home Safes: What kind do I need

Description
In purchasing your home safe what kind of protection are you looking for?

    Are you looking for home safes with fire protection?
    A fire safe is usually two thin sheet metal boxes, one smaller then the other with some type of insulation between. Or it can be a metal safe with a Type X fire board mounted on the inside. A safe that has only fire protection usually does not make a good burglary unit.
    Are you looking for burglary protection?
    A burglary safe is usually a thick steel body which becomes like an oven in a fire. It has no fire protection. It usually will char or burn whatever is in the safe when a fire occurs.
    Are you looking for both?
    Home safes that are for burglary as well as having fire protection, have either the fire board or a modern day poured filling that protects the valuables inside from getting too hot.
    Are you looking for a specific insurance rating?
    Insurance companies when they offer you a policy may ask you to purchase home safes that meet the insurance industries qualifications. Because of the replacement value of your collection, jewelry, or other valuables, the insurance company may want you to purchase a TL-15, TL-30, or TL-30X6. These are ratings that are awarded to the safe manufacturer when they have their products tested. There are hundreds of testing facilities out there but the most famous is Underwriters Laboratories (UL). When home safes pass any type of test at the testing facilities they are awarded a rating and the manufacturer will mount some type of label on the safe itself to indicate that it has passed the test. So look for labels when you are looking at safes. If you are told that a safe has passed this test or that test, and you don't find a label, I would question the truth of the statement.

Home safes are tested in different ways, depending on the type of test that it goes through.

    When a safe is tested for a fire rating at UL it is placed in a furnace and the furnace is heated up to the temperature that has been specified for the test (this usually varies from test to test). They heat the safe for the time that is specified (again it can vary for each test). When that time is up they take the safe and immediately drag it up to a height of approximately two floors and drop it onto concrete and other rubble. Then they put it back into the furnace and bring the temperature up to the specified temperature again. During the entire test the temperature inside the safe cannot go above 350° F, or the safe fails the test.
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