Honestly, you sound unnecessarily paranoid about this. There are tons of mainstream remote-controllable locks these days. Walk down the door hardware aisle of HD or Lowe's and you'll see multiple options from Kwikset, Schlage, and some off brands as well.
Your insurance does essentially protect you from yourself. As long as you don't do anything that intentionally makes your house more attractive to burglars (like a neon sign in the window indicating door lock status) the likelihood of what you describe (a claim denial) is nil.
Your insurance does essentially protect you from yourself. As long as you don't do anything that intentionally makes your house more attractive to burglars (like a neon sign in the window indicating door lock status) the likelihood of what you describe (a claim denial) is nil.