As homeowners, we’re curious about what our insurance policies cover. We’re particularly concerned about the security of our home, specifically the locks on the doors, and what would happen if we got locked out. We also wonder how much we’d owe if we lost our keys or had to change our locks. Are Locks Covered By Home Insurance? Continue reading to learn more, or call (267) 433-6636 to speak with one of our locksmith services Philly Locksmith specialists.


It’s possible. Locksmith services are sometimes offered as an add-on by homeowners insurance companies. It is not a common practice, but it has occurred. Even when coverage is expanded, it is frequently exceedingly limited. It’s usually safe to assume that your homeowner’s policy doesn’t provide much if any, coverage for a locksmith.

What does my homeowner’s insurance cover for a locksmith?

Locksmiths typically demand a premium fee for their services, and your homeowner’s policy, if it includes any, will provide little or no coverage. Honestly, I’d be amazed if a homeowners policy offered even $100 toward a locksmith. However, there are a few similar situations in which your homeowner’s insurance would protect you, which we’ll go through next.

Are Locks Covered By Home Insurance?

It’s usual for a policy to cover a locksmith but not the full cost. It may cover up to $100 in some situations, however, a locksmith may charge more depending on what you require. It’s also possible that your insurer will only cover a locksmith for less than $100.

When does my homeowner’s insurance cover a locksmith?

Even if your homeowner’s insurance covers a locksmith, it may not cover one in every case. However, there are situations when it will most likely pay the cost of a locksmith. These are some examples:


  • Natural catastrophe damage to your doors or windows – In this instance, you may require the services of a locksmith to replace the lock on a damaged door or window. In most cases, your homeowner’s insurance will protect you in this situation.


  • Vandalism is another type of incident for which you may be covered. If your home is vandalized and a lock is damaged, you may be covered.


  • Stolen Keys – If your keys are stolen, your homeowner’s insurance may pay the cost of rekeying your locks. It all depends on the situation and what your insurance policy covers.


  • Your Safe is Stolen or Vandalized – As long as your safety is covered by your homeowner’s policy, you will most likely be covered in this occurrence.


It’s advisable to check with your insurance agent to see if you’re covered. If this type of coverage is available as an add-on to your homeowner’s policy, you may be able to add it.

What covers a locksmith if not homeowners insurance?

Roadside assistance, including vehicle lockouts, may be covered by your auto insurance. Certain homeowners insurance policies cover the cost of creating a duplicate house or car keys, although coverage is limited and the deductible is often larger than the cash cost. If you’re concerned that you don’t have adequate coverage, talk to your agent about how you may get more. For more info on home insurance and Can A Locksmith Make A Key On The Spot, call a mobile car locksmith near me or us at (267) 433-6636.

No Comments

Be the first to start a conversation

Leave a Reply

  • (will not be published)