Is a locksmith covered by your homeowner's policy?

Is there a way to claim a locksmith on my homeowner's policy? This is the third time I have locked my keys in my house! Each time is about $150 to have someone help me get back into my house.

Answer
“In most cases, your homeowner’s policy will not cover a claim for when your keys get locked inside your home.
Some insurance carriers may offer locksmith services as an additional endorsement to your home policy, similar to how a towing and labor endorsement adds locksmith coverage to your auto policy.
There are some cases where a locksmith will be covered, such as:
  • Theft–Keys are considered personal property, so if they are stolen, a locksmith service would be a reasonable coverage.
  • Break in–If your door and lock are damaged as part of vandalism, they would be covered.
  • Covered loss–If your keys or lock are destroyed in a fire or any other covered peril, a locksmith would be covered.
Keep in mind, if you only need your key or lock to be replaced and the value of the services is less than the homeowner’s deductible, you would want to pay for this out of pocket instead of making a claim.
In your situation, it may save money in the long run, to have a few extra keys make and give the spares to a couple of trusted friends or family members. This way, they can come to your rescue for free if you were to get locked out again.”
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Shannon Martin
Answered on Jul 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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