Unforeseen events at home can happen at any time; we’ve all been there. Nowadays, having comprehensive home insurance is very important to ensure the safety of your family and your home.

In this sense, locksmith services are often among the most common. Whether your lock has been forced or you lose your keys, it’s necessary to change the lock. You should be very clear about this: whenever your home insurance policy stipulates that the company will pay the locksmith’s bill, it should be. Each insurance policy is independent, so if an incident arises, you’ll need to contact your insurer to find out what services are covered.

What locksmith work does home insurance cover?

Speaking from a general perspective, there are certain locksmith services that are usually included in the different coverages. Generally, these are the following:

• In the event that you lose your keys, they are stolen, or you accidentally leave them inside the house .
• Cylinder replacements are also usually covered by the insurance company. This usually occurs if your keys are stolen or lost.
• When the lock has been plugged with silicone and needs to be replaced.
• If you suffer any other type of vandalism, the company usually covers the cost of the parts needed to repair the damage.

Pro Tip: Need quick help with a lockout in Albany, OH? Our professional locksmiths provide 24/7 emergency service to unlock your home, car, or office fast and safely.

Does home insurance include a 24-hour locksmith?

Home insurance includes assistance that, at some point, you will need as a homeowner. In the case of 24-hour locksmith services, companies usually offer this type of service within their coverage. However, it’s important to check beforehand, as each policy has its own terms and conditions.

Our recommendation is that when purchasing home insurance, you do so in a completely personalized way. This way, you’ll be able to include the coverage you think you’ll need most.

If one of your priorities is emergency or 24-hour locksmith services , at BlueLine Locksmith we offer complementary insurance to your home insurance with 24-hour emergency locksmith services.

What should I do if I leave my keys inside the house?

To avoid this situation, foresight will be your best ally. It’s best not to just have one spare key, but to have someone else you trust have another. This way, if you leave them at home, you’ll only need to contact that person and ask for the keys to resolve the problem.

If you don’t consider this option, we advise you to contact your home insurance company , as they will likely cover this situation and send a locksmith to you. If the insurance company won’t pay the locksmith bill, you’ll have to hire one yourself. At BlueLine Locksmith, we have the best locksmiths who provide coverage throughout the country. Call us at 614-656-1256. And if you purchase the complementary insurance to your home insurance: Esencial Hogar multi-trade, you’ll be covered for locksmith emergencies for a whole year.

Does home insurance cover the loss of house keys?

Generally, most insurance companies cover the cost of losing your house keys. We can’t guarantee this 100%, as each policy has its own conditions. For this reason, it’s best to check with your company.

In any case, if you experience this incident, call your insurance company directly. They’ll inform you of everything and make it clear whether they’ll cover the locksmith bill or not. To avoid having to assume these types of unexpected expenses, which are also not cheap, we at BlueLine Locksmith suggest purchasing a supplemental insurance policy to your home insurance that includes emergency locksmith and glass repairs. More info and online purchase with a discount.

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In short, home insurance generally covers locksmith services under certain circumstances. If you need any type of repair in your home, trust our specialized BlueLine Locksmith technicians. Additionally, if you purchase our multi-trade repair packages, you’ll have locksmith and glass repair emergencies covered in your home, among others.