In principle, insurance coverage is provided if access is properly blocked.
The conclusion is that, with regard to the risk of burglary, it is relevant from an insurance perspective whether the door/access device is actually locked or not. The question of whether the locking mechanism is operated mechanically or electronically is secondary.
As a general rule, accesses with electronic locking systems (such as ekey fingerprint access systems) should control secure and automatically locking mechatronic locks (e.g. motorized lock). Unlocked access (if the door only falls into the latch or door with electric strike) is usually not insured.