Homeowners insurance is a must but just how much does it cover? Homeowners insurance does cover locksmith services. However, it’s usually something you need to add on. What’s more, coverage for these types of services tends to be limited.
If you do plan to claim from your insurer for locksmith services, be prepared to pay towards the final bill – your insurer won’t cover everything. The services that are most often covered by homeowners insurance includes:
- Stolen keys. Since keys fall under the personal property umbrella, insurers will cover the replacement of keys.
- Damaged doors, locks, or windows. If a locksmith needs to help you gain access to your home because a lock was damaged due to covered peril such as a natural disaster, your insurer may cover most or all of the costs.
- Stolen or damaged safe. While it’s not overly common, safes do get stolen. A stolen or vandalized safe that needs to be replaced, may also be covered by homeowners insurance.
The best way to understand what you can expect in terms of coverage is to contact your insurer directly. If coverage for locksmith services is important to you, ask your insurer about adding it to your policy.
For other issues such as getting locked out of your vehicle, there is roadside assistance.
If you do need a locksmith in a hurry, Quickly Locksmith is available 24/7. Contact us today.
