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.”
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
Browse by topics
What others are asking
What is the furthest AAA will tow my car?
If my car breaks down on the way to or from town, how far will AAA tow me? I just recently moved out to a little farm in the middle of nowhere. I love the peace and quiet, but there isn't anything around for at least 30 miles.
Jul 14, 2021
Why does standard home insurance cover some disasters and not others?
It seems very arbitrary to me, the kinds of things home insurance does and doesn't cover. Why don't some disasters qualify for coverage?
Mar 12, 2021
Will renters insurance cover the cost of a cleanup after a big storm?
I'm renting a house and the front yard and backyard are a big mess after a recent storm. I'm talking a fallen tree, busted fence, etc. According to the lease agreement, the tenant is responsible for lawn care and maintenance. So does this mean my renters insurance will cover the cost of the post-storm cleanup?
Apr 13, 2021