The Residential Tenancies Act merely requires that ground floor windows be lockable from inside as opposed to having a keyed lock.
Many insurance companies will provide contents policies for tenants in homes that do not have window locks. Make sure you read the fine print in these policies to determine what type of lock is required.
Prior to entering into a tenancy agreement, it is important to look at the security features and determine if they are suitable and will be covered by your preferred insurer.
We recommend you shop around to find an insurance company that suits your circumstances and satisfies your requirements.