Best Safes for Gold and Silver Bullion: TL-Rated and UL Fire-Rated Picks

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Gold and silver change what a safe needs to do. A house fire can ruin paper long before it threatens a gold coin. The bigger risk for bullion is a burglar with tools and time. That flips the usual priority list: for coins and bars, the burglary rating comes first and the fire rating second.

This guide picks safes on that basis. Our best home safes roundup picks the AMSEC BF1716 for coins and bullion and mentions one TL-15 step-up, the Hollon PM-1014. Here we go further, from a TL-30 to a compact RSC safe, and we’re clear about which ratings come from UL and which come from the factory.

How we chose

We didn’t test these safes ourselves. Picks are based on published specs and ratings:

• Burglary rating first. We favored UL TL-15 and TL-30 ratings, which test the door against tools, and the UL Residential Security Container (RSC) label at minimum.
• Fire ratings by source. We name the lab when the maker does and call it “factory” or “manufacturer-rated” when it doesn’t. None of these safes lists a water rating.
• Ratings as stated. UL burglary and fire ratings are reported as each manufacturer states them. We didn’t look them up in UL’s directory, so ask the dealer for the label or listing.
• Heavy enough to matter. Every pick weighs at least 256 pounds. We note anchor details where the maker lists them.
• Manufacturer specs only. Dimensions, weights, locks, and construction come from each maker’s page or catalog, listed in Sources.
• Recalls checked. We searched CPSC’s recall database for AMSEC, Hollon, and Gardall on October 17, 2026, and found no recalls for their safes.
• No prices. They change too often, and high-security safes are often sold through dealers.

The picks at a glance

Pick	Best for	Burglary rating	Fire rating (source)	Outside (H x W x D, in.)	Inside (H x W x D, in.)	Weight	Lock
Hollon MJ-1014	Highest burglary rating	UL TL-30	2 hr, 1,750°F (factory)	15¾ x 19⅝ x 19⅝	10¼ x 14 x 10½	463 lb	S&G dial or S&G Spartan electronic
AMSEC CEV1814	TL-15 with long fire rating	UL TL-15	120 min, 1,850°F (“independent,” lab not named)	25 x 21 x 21.5	18 x 14 x 12	854 lb	ESL10 electronic
Gardall 1818T15	Roomy TL-15 with a dial	UL TL-15	1 hr, 1,850°F (manufacturer)	23 x 23 x 20½	18 x 18 x 12	660 lb	Group 2M dial
Gardall 1812/2	UL fire and UL burglary	UL RSC	UL 2-hour, 1,850°F	25 x 17¼ x 19¾	18 x 12 x 11¾	313 lb	UL Group II, mechanical or electronic
AMSEC CSC1413	Compact starter safe	UL RSC Level I	120 min, 1,200°F (factory)	19.5 x 18 x 19.875	14 x 12.5 x 12.25	256 lb	ESL10 electronic

Best burglary rating: Hollon MJ-1014

Who it’s for: Stackers with a serious amount of metal at home who want a UL TL-30 safe that still fits in a closet.

TL-30 means the door resisted a tool attack for 30 minutes, double TL-15. Hollon says the MJ Series is UL Listed TL-30. It lists the fire rating as 2-hour, factory tested, with the interior held at 350°F while the outside reaches 1,750°F. That’s Hollon’s own test, not UL’s.

Key specs (per Hollon):

• Exterior: 15¾ x 19⅝ x 19⅝ inches (H x W x D); allow 3 more inches of depth for the handle and hinges
• Interior: 10¼ x 14 x 10½ inches (0.87 cubic feet)
• Weight: 463 pounds
• Lock: Group 2M UL-listed S&G dial or S&G Spartan electronic lock
• Security: glass relocker, hardplate, burglary-resistant handle, bolt-down hole (⅝-inch inside diameter)
• Bigger sizes: MJ-1814 (1.53 cubic feet, 657 pounds) and up

Trade-offs: Under a cubic foot inside. That’s plenty for gold, but silver takes up much more room for the same value. See gold vs. silver home storage before sizing.

See the Hollon MJ-1014 TL-30 Safe (paid link)

Best TL-15 with a long fire rating: AMSEC CEV1814

Who it’s for: Owners who want TL-15 security plus room for papers and jewelry alongside metal.

The CEV1814 has a UL TL-15 rating and a 6-inch composite door with steel plates inside and out. AMSEC says the barrier mixes in nuggets and steel fibers and is built to withstand concentrated attacks with heavy-duty equipment. AMSEC lists an “independent” fire rating of 120 minutes at 1,850°F, but it doesn’t name the lab, so treat that as AMSEC’s claim until a dealer can show the certificate.

Key specs (per AMSEC):

• Exterior: 25 x 21 x 21.5 inches; interior: 18 x 14 x 12 inches
• Weight: 854 pounds
• Body: 3.5 inches thick; AMSEC lists 6 to 10 locking bolts, each 1.5 inches in diameter, without saying how many this size has
• Lock: ESL10 electronic
• Anchoring: one ½-inch recessed hole in the floor of the safe
• Larger sizes: CEV2518, CEV3524, CEV5524, CEV6528

Trade-offs: At 854 pounds, it needs professional delivery and a floor that can carry the safe plus its contents. Only one anchor hole.

See the AMSEC CEV1814 TL-15 Safe (paid link)

Best roomy TL-15 with a dial: Gardall 1818T15

Who it’s for: Buyers who want a TL-15 body with a mechanical dial and a roomier, cube-shaped interior.

Gardall lists its TL-15 models as UL-listed composite safes. The TL-15 door is a 5½-inch slab of high-density, fiber-reinforced material over a 2½-inch body. Gardall lists cross-locking relockers, a tempered glass relocking trigger, and a formed stainless steel locking bar. Gardall’s fire claim for this series is tested to 1,850°F with the interior under 350°F for one hour. No lab is named, so we treat that as manufacturer-rated.

Key specs (per Gardall’s 2022 catalog):

• Exterior: 23 x 23 x 20½ inches; interior: 18 x 18 x 12 inches (2.25 cubic feet)
• Weight: about 660 pounds
• Lock: Group 2M combination dial
• Step-up size: 2218T15, interior 22 x 18 x 17 inches (3.9 cubic feet), about 875 pounds

Trade-offs: At about 660 pounds, it needs professional delivery. A dial is slower to open than a keypad, which some owners count as a plus. Gardall markets this line as commercial, so don’t expect home-safe extras like interior lighting.

See the Gardall 1818T15 TL-15 Safe (paid link)

Best for UL fire and UL burglary ratings: Gardall 1812/2

Who it’s for: Households storing bullion together with deeds, certificates, and other papers that need real fire protection.

Gardall says this line is the only one on the market with both a UL 2-hour fire rating and a UL RSC rating. Its UL test heats the safe to 1,850°F for two hours, drops it 30 feet to simulate a collapsing floor, then heats it again. The inside must stay below 350°F the whole time.

Key specs (per Gardall):

• Outside: 25 x 17¼ x 19¾ inches; inside: 18 x 12 x 11¾ inches (2,538 cubic inches), per the 2022 catalog
• Weight: about 313 pounds
• Door: 4¼ inches thick, recessed; 2½-inch walls; five active 1-inch bolts locking three directions
• Lock: UL-listed Group II combination lock; key-locking dial or push-button electronic lock optional
• Anchoring: center bolt-down hole, hardware included
• Warranty: Gardall Lifetime Replacement Warranty (details in its catalog)

Trade-offs: RSC is a five-minute hand-tool test, a lower burglary class than TL-15. Pair it with good concealment and an alarm.

See the Gardall 1812/2 Fire and Burglary Safe (paid link)

Best compact starter safe: AMSEC CSC1413

Who it’s for: New stackers with a modest amount of metal who want a UL burglary label in a small footprint.

The CSC1413 carries a UL RSC Level I rating and uses a 4.625-inch solid steel plate door with 1.5-inch steel dead bolts and a cement-based barrier. AMSEC’s feature list calls the fire rating a 2-hour factory rating at 1,200°F, but its spec table says “Independent 120-minutes.” We go with the more cautious factory label.

Key specs (per AMSEC):

• Exterior: 19.5 x 18 x 19.875 inches; interior: 14 x 12.5 x 12.25 inches
• Weight: 256 pounds
• Lock: ESL10 electronic
• Seal: heat-expanding intumescent door seal
• Larger size: CSC1913

Trade-offs: At 256 pounds, it must be bolted down. AMSEC’s product page doesn’t show an anchor hole count, so confirm it with the dealer. Expect to outgrow it if you add silver.

See the AMSEC CSC1413 Composite Safe (paid link)

What to look for

We cover these topics in depth elsewhere:

• How to store bullion at home. Start with how to store gold and silver bullion at home and how to store a coin collection at home.
• Gold vs. silver space needs. Silver needs far more volume; see gold vs. silver home storage.
• Burglary ratings. See fire safe vs. burglary safe and safe construction explained.
• Placement and anchoring. Read where to put a safe in your house and how to anchor a safe to the floor.
• Moisture. Silver tones and holders trap humidity; see how to control humidity inside a safe.
• Home or bank? Compare home safe vs. safe deposit box.

FAQ

Do I need a TL-rated safe for bullion?

Not always, but TL-15 and TL-30 are the ratings built for determined attacks. A UL RSC safe is a reasonable minimum for small holdings, especially when it’s hidden, anchored, and alarmed.

Is TL-30 worth it over TL-15?

It depends on how much you’re storing and how long a burglar could work undisturbed. TL-30 doubles the tested tool-attack time on the door, and the Hollon MJ-1014 shows a TL-30 safe can still be closet-sized. If you have an alarm and a fast police response, a TL-15 like the AMSEC CEV1814 or Gardall 1818T15 may be enough. Either way, it’s a big step up from RSC.

Does fire matter for gold and silver?

Less than for paper, but it still matters. Certificates, receipts, and coin holders can be damaged at temperatures far below metal’s melting point. A fire rating helps protect the paperwork and packaging that can affect resale.

How much weight can my floor hold?

It depends on the structure, and a loaded high-security safe can weigh many hundreds of pounds. Ground floors or slabs are best; ask a contractor about upper floors. See how to move a heavy safe for delivery planning.

Should I tell anyone I have bullion at home?

Keep it to the people who need to know. Then make sure they can reach it in an emergency, as covered in family access to your safe and valuables.

Is my bullion insured in a home safe?

Often only barely. The sample HO-3 homeowners policy from the Insurance Information Institute sets a special limit of $200 for money, bullion, gold, silver, and coins. Ask your insurer about a scheduled endorsement or floater, keep a home inventory, and verify what you buy using how to spot counterfeit gold and silver.

Bottom line

For the strongest burglary rating, the Hollon MJ-1014 brings UL TL-30 to a closet-size body. The AMSEC CEV1814 and Gardall 1818T15 are solid TL-15 options, with more interior room. If papers share the safe, the Gardall 1812/2 pairs a UL 2-hour fire label with UL RSC, and the AMSEC CSC1413 is a compact place to start. Whichever you choose, bolt it down and keep quiet about what’s inside.

Sources

1. Hollon Safe — MJ Series (UL Listed TL-30; 2-hour factory fire test, 350°F interior at 1,750°F; MJ-1014 and MJ-1814 dimensions, cubic feet, weights, locks, relocker, hardplate, bolt-down hole; allow 3 in. for handle and hinges). https://www.hollonsafe.com/mj-series/
2. American Security (AMSEC) — CEV1814 TL-15 High Security Composite Safe (UL TL-15; independent fire rating 120 min at 1,850°F; door and body construction; bolts; ESL10; anchor hole; dimensions; 854 lb; series sizes). https://americansecuritysafes.com/product/cev1814/
3. American Security (AMSEC) — CSC1413 Composite Safe (UL RSC Level I; 2-hour factory fire rating at 1,200°F vs. “Independent 120-minutes” in spec table; door, bolts, seal; dimensions; 256 lb; ESL10). https://americansecuritysafes.com/product/csc1413/
4. Gardall Safe Corporation — Commercial High Security TL15, TL30 and TL30x6 (TL-15/TL-30 definitions; construction details are in the 2022 catalog, source 6). https://gardall.com/products/view/high-security-safes/commercial-high-security-safes-tl15-tl30-and-tl30-x-6
5. Gardall Safe Corporation — U.L. 2 Hour Fire / U.L. Burglary Safe (only safe with both UL 2-hour fire and UL RSC ratings, per Gardall; UL 2-hour fire test at 1,850°F with 30-ft drop; UL RSC test). https://gardall.com/products/view/fire-safes/u-l-2-hour-fire-u-l-burglary-safe
6. Gardall Safe Corporation — 2022 Product Catalog (1812/2 dimensions, cubic inches, weight, 4¼-in. door, 2½-in. walls, five 1-in. bolts, UL Group II lock and options, center bolt-down hole, Lifetime Replacement Warranty; 1818T15/2218T15 dimensions, cubic feet, weights; TL-15 door and body construction, relockers, glass trigger, stainless locking bar, Group 2M lock, fire test to 1,850°F with interior under 350°F for 1 hour). https://gardall.com/wp-content/uploads/2023/01/2022-Gardall_Catalog.pdf
7. UL Solutions — Residential Security Container Standard Revised (RSC Level I five-minute hand-tool attack). https://www.ul.com/news/residential-security-container-standard-revised
8. Insurance Information Institute — Homeowners 3 – Special Form (HO 00 03) sample policy (Coverage C special limit on money, bullion, gold, silver, and coins). https://www.iii.org/sites/default/files/docs/pdf/HO3%5Fsample.pdf
9. U.S. Consumer Product Safety Commission — Recall database via SaferProducts.gov API (searched October 17, 2026; no recalls found for AMSEC, Hollon, or Gardall safes). https://www.saferproducts.gov/RestWebServices/Recall?format=json&ProductName=safe