Losing your keys, or getting locked out of your apartment has surely happened to us all at some point, but can household contents cover any of these situations?

Household contents insurance protects your personal belongings from fire, tap water damage, burglary, vandalism, storm and hail, these are called insured events and are the basis of your policy coverage.

If there's been a burglary at your apartment and the thieves took the keys along with your other belongings and you need to change the locks, then household contents insurance would help cover the costs.

If you happen to lock yourself out of the apartment and need to call an emergency locksmith (Schlüsseldienst) to get back in, this unfortunately is not covered by household contents insurance as it's not an insured event.

You've lost or misplaced your keys and need to make a new copy, unfortunately, as neither of these scenarios is an insured event, they're not eligible for reimbursement with household contents insurance.

In this situation, you can use your personal liability insurance (haftpflichtversicherung) to help you recover the cost of replacing lost third-party keys ✅