Will car insurance pay for replacement keys for my Ford Focus?

I have car insurance through GEICO with roadside assistance. Will they pay for replacement keys?

“Even if you have roadside assistance through your car insurance company, you’re unlikely to get the replacement cost of your car keys covered.
By insurance standards, your car keys are considered personal property. Car insurance doesn’t cover any personal property unless you have an RV policy that includes personal effects coverage.
Homeowner’s insurance may replace car keys under personal property coverage, but you’ll need to review your policy’s terms and conditions to confirm.
If replacement keys aren’t covered, you’ll need to find a reputable locksmith or visit your dealership for replacements.”
Sophie Newman
Answered on Jul 23, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free