Most people can relate to having a forgetful day and locking themselves out of their homes. This happens on occasion when we are in a rush or simply drop our keys on the way out. When you lock yourself out of your home, you need to call a locksmith to help you get back in. So, does home insurance cover locksmith fees?<\/p>\n\n\n\n
Your basic homeowners insurance policy will not cover locksmith services in most instances. If you have a locksmith endorsement, you may be entitled to locksmith coverage. Additionally, if certain covered perils result in the need for a locksmith may also be covered by your home insurance, as keys to a home are considered personal property<\/a>.<\/strong><\/p>\n\n\n\n
Insurance has many caveats, and as such, it is hard to discern whether or not your locksmith fees will be covered for your home. Below are some examples and explanations of instances in which a locksmith service would be covered by your home insurance.<\/p>\n\n\n\n
It can be surprising to know that there are cases in which a locksmith service would be covered under your policy. In order to be sure, it is always a good idea to check in with your homeowners insurance provider to understand the coverage.<\/p>\n\n\n\n
Before submitting a claim for locksmith services, it is important to stop and consider the cost of the locksmith in relation to your deductible and insurance history. If you do not have a lot of claims, and the bill isn\u2019t too outrageous, it may be better to pay out of pocket. <\/p>\n\n\n\n
Also, many home insurance policies require a deductible<\/a>. This deductible is $500-$2,000 on average. Many locksmith\u2019s services fall under the cost of the total deductible required by insurance. Since this is the case, a claim may be accepted, but insurance will not provide a check because the fees are so low and do not make it over the deductible.<\/p>\n\n\n\n
When it comes to paying for locksmith services, it is not likely to be covered by homeowners insurance, especially if you just forgot your key at home. Look for alternatives such as smart locks, and push pin locks with override keys. This allows you multiple ways to get into your home without needing to call a locksmith in case of a lockout.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"
If you got locked out from your home, your standard homeowners insurance will not cover the costs of locksmiths, unless you have locksmiths endorsement included in your policy.<\/p>\n","protected":false},"author":4,"featured_media":181918,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"generate_page_header":""},"categories":[61],"tags":[],"ppma_author":[120],"acf":[],"authors":[{"term_id":120,"user_id":4,"is_guest":0,"slug":"katelynh","display_name":"Katelyn Huffman","avatar_url":{"url":"https:\/\/homeownersinsurancecover.net\/wp-content\/uploads\/2023\/03\/katelynh.jpeg","url2x":"https:\/\/homeownersinsurancecover.net\/wp-content\/uploads\/2023\/03\/katelynh.jpeg"},"description":"Katelyn is a freelance copy editor and writer based in Massachusetts. She holds Bachelor's Degrees in Business Administration and Political Science, both from Fitchburg State University, as well as a Master's Degree in Public Administration from UMass Amherst. She has been writing and editing for a large range of clientele for over ten years. In her free time, Katelyn enjoys reading, traveling, and spending time with her family.","first_name":"Katelyn","last_name":"Huffman","user_url":""}],"_links":{"self":[{"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/posts\/181917"}],"collection":[{"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/comments?post=181917"}],"version-history":[{"count":0,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/posts\/181917\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/media\/181918"}],"wp:attachment":[{"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/media?parent=181917"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/categories?post=181917"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/tags?post=181917"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/homeownersinsurancecover.net\/wp-json\/wp\/v2\/ppma_author?post=181917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}