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Does home insurance cover the cost of a locksmith?
Though not a widespread practice, home insurance does cover locksmith services (including lock replacement and rekeying) – usually in the form of an add-on to your existing policy.
Some policies may already cover lock and key replacement as part of a broader category (e.g. under your total home replacement cost or under covered perils), while others may offer it as a policy add-on (at an additional cost) or a combination of both.
Lock replacement is one of the coverages few people know exists, similarly to the coverage that pays for your spoiled food if your freezer breaks down.
When would you need a locksmith?
- If you are accidentally locked out of your home
- Your key breaks, is lost or stolen
- If your locks are outdated and vulnerable to break-in
- If your locks are damaged by weather-related incidents (e.g. storms), by fire or other natural disasters covered by your policy
- If your locks are broken due to theft or vandalism (if covered by the policy)
- If you’ve moved into a new house and require new locks for safety reasons
All of the above could be covered with an add-on, depending on your insurer. Some of the above might already be covered by your current policy, such as lock replacement due to fire damage (a peril covered by most home insurance policies).
How to extend your coverage to include coverage for locks
Your lock and key replacement might already be covered by your current policy. However, it’s possible that in certain instances, it’s not covered (e.g. your key gets stolen for reasons not listed in the policy). In this case, a policy extension, or an add-on, might be necessary.
What is extended coverage?
A coverage endorsement or extension adds extra coverage to your policy for things not already covered by ‘basic’ insurance – at an additional cost.
After you’ve compared homeowners' insurance policy rates and received a quote from RATESDOTCA, it’s best to confirm with your insurance broker about what items are covered and if any extensions are needed/required, including lock and key replacement.
Potential scenario that might require lock/key replacement
Lost or stolen keys is a tricky scenario. If keys are stolen, and you have the necessary coverage, you must report the incident to the police or local law enforcement before filing a lock/key replacement claim with your insurance company. That’s because your insurer might ask you for a police file or case number to confirm the incident. Without this confirmation, your claim may get denied.
It's worth noting that if your wallet is stolen along with your keys, that could lead to identity theft. Luckily, there is coverage for that, which could protect you from this – provided you purchase the coverage ahead of time. Identity theft coverage is available for home, tenant and condo insurance policyholders.
What are locksmith coverage limits?
If you have comprehensive home insurance coverage, your limit might be between $1,000 and $2,000. This mainly applies to cases in which your keys are stolen, requiring your locks to be rekeyed. Sometimes, your insurance company may need to change your locks as well to avoid a potential break-in.
Can you increase coverage limits?
Some insurance companies will allow an increase in coverage limits for an additional premium.
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Frequently asked questions about locksmith coverage
Got more questions about locksmith home insurance coverage? We got you covered.
Does my homeowner's insurance cover locksmith services?
Not exactly. While some damages are covered and may require locksmith services for repair, locksmiths themselves would be part of an add-on to the policy.
Are lost keys covered by my home insurance?
No. Lost keys are not part of homeowners insurance, however stolen keys are. Make sure you know what has happened to your keys before attempting to make a claim.
How much do locksmiths charge when your main home door is damaged?
A locksmith in Ontario can charge between $100 and $250 to replace a lock. Changing locks without replacing them (which includes rekeying) could cost between $70 and $120 per lock, plus $20 to $50 for every additional lock.
Does locksmith coverage have a deductible?
Locksmith coverage in a typical home insurance policy should not have a deductible – whether it includes lock replacement, rekeying, or both.
What is a smart lock and is it safer for homes?
A smart lock is a WiFi or Bluetooth-enabled lock that allows you to lock doors with a voice command or an app on your phone (giving you the freedom to leave keys in the drawer). Guests can be let in without you being there or locks can be locked if the kids forget to do it.
While smart locks can be safer than leaving a key under the doormat, like most tech devices, they are small computers. That means there is a potential for hacking – not just into your house, but also into your personal data. When purchasing a smart look consider ones that are:
- 128-bit encrypted
- Have two-factor authentication
Joel Kranc, Freelance writer
Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
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