[umsm]

The argument isn't whether or not you have a deadbolt, but rather that the technology used in the deadbolt will sway an insurance company not to pay the claim.

Using a bluetooth deadbolt can be compared to using a lock with medeco biaxial pins. The insurance company finds out that medeco biaxial pins are easier to break into with specialized tools and they deny your claim.

This is a moot point, so I would suggest an easier way to break in to your home that doesn't require advanced tech skills: use a rock to break a window ;)