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Does liability insurance cover the cost of lost keys?
Does liability insurance cover the cost of lost keys?

What happens if I lose the keys to my rented apartment?

Samantha avatar
Written by Samantha
Updated over a year ago

Liability insurance covers the cost of replacing third-party keys if you lose or misplace them, so that's keys for a property that belongs to someone else.

Covered by the policy:

  • master/main keys for a central locking system

  • house and apartment door keys incl. garage, cellar, postbox and adjoining room keys

  • hotel room keys

  • safe and locker keys

  • car keys (incl. rented vehicles)

  • bike keys

  • furniture keys

  • workplace keys

  • code cards for electronic locks

If the third party (for example your landlord) needs to change the locks for security reasons as a result of the lost keys, this is also covered.

The cost of a locksmith breaking into the apartment, if you lose or misplace your keys, is, unfortunately, not covered by liability insurance.


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