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It's usually a rating regarding increase of internal temperature.
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This ^^^
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In the event of death, the heirs would not have access to Safety Deposit boxes at the local Bank and Trust.
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As soon as an Executor or Administrator is appointed, he/she will be allowed to access a safety deposit box. This can be done fairly quickly (a few days, usually), if the person has a copy of the will in hand (so the will should not be kept in the safety deposit box). He/she will also need the key, otherwise the lock will have to be drilled at considerable expense.
A home safe for document should also be water tight. A flood (from a broken pipe, etc.) is more likely than fire, and fire is often accompanied by lots of water being dumped on the burning area.