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Does home insurance cover a lockout?
We lost our keys on vacation and had to call a locksmith upon returning home. It was on a Sunday night, so we ended up having to call a 24-hour locksmith, which was way more expensive than a regular locksmith. We have a home insurance policy. Would home insurance cover a lockout?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no! That sounds like a stressful way to end your vacation, but I’m glad you were able to get back into your house. Your home insurance policy may cover a lockout, but it depends on the type of policy you have.
For example, some home insurance policies, like
Costco
, include home lockout coverage and service. However, this isn’t standard coverage for all insurance companies. In some instances, your policy may cover a lockout, but you’re still subject to your deductible. If you have a $1,000 deductible and the locksmith costs $500, you wouldn’t be able to submit a claim.
You can call your insurance company to speak with a claims agent or review your policy’s terms and conditions to determine whether you have coverage. If you do, your insurance may reimburse you for the cost of the 24-hour locksmith.
If you don’t have coverage and are looking for a new insurance company,
Jerry
can provide you with competitive quotes in under a minute. Swapping is just as effortless. To save even more money, Jerry can help you bundle your home and auto policies for maximum savings! View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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