Does household contents insurance cover locksmith fees?

Household contents insurance covers locksmith fees only if locks need changing after a burglary that involved stolen keys. Locksmith costs due to locking yourself out or losing keys are not covered by this insurance. Lost third-party keys may be reimbursed under personal liability insurance.

When does household contents insurance cover locksmith fees?

Household contents insurance covers locksmith fees if you need to change the locks after a burglary that included stolen keys. This situation qualifies as an insured event under the policy.

Does household contents insurance cover locksmith fees if I lock myself out? Locking yourself out of your apartment is not an insured event, so locksmith fees to regain entry in this case are not covered by household contents insurance.

Are locksmith fees covered if I lose my keys and need new copies?

Losing or misplacing your keys does not qualify as an insured event. Therefore, household contents insurance does not reimburse costs for replacing lost keys or making new copies.

Can I get reimbursement for lost third-party keys?

Personal liability insurance can cover the cost of replacing lost third-party keys. This type of insurance may be used for such situations instead of household contents insurance.

What types of events does household contents insurance cover?

Household contents insurance generally covers damages or losses caused by fire, water damage from taps, burglary, vandalism, storms, and hail. Locksmith fees are covered only when related to an insured event such as a burglary involving stolen keys.