It may not be an option that is covered as a default, so it’s best to check what is covered by your provider. Some insurance companies that offer business insurance do cover the cost of a locksmith. Does business insurance cover a locksmith? If you require your home insurance to do so, there are some extraneous circumstances where high-security locks are in use, so talk to your home insurance provider if that’s an option you need.īut, for typical locked-out situations where you need a locksmith to pick your lock and/or cut you new keys, it’s unlikely that would be covered in your home insurance. Does home insurance cover a locksmith?Īs above, in most circumstances home insurance will not reimburse you for the services of a locksmith. But, unfortunately, no, most insurance companies will not reimburse you for a locksmith.

This might seem disappointing if you find yourself in an urgent situation that requires a locksmith and you’re going to cover the cost yourself. In most circumstances, when it comes to residential properties and personal insurance, an insurance company will not cover you for the service of a locksmith or key cutting. Let us caveat with ‘insurance can vary, and providers have their own policies and T&Cs, so it’s always best to speak to your provider before taking this guide as gospel, but the following is general information that’s typically what we see’. Let’s take a look… Does insurance cover a locksmith? Does business insurance cover a locksmith?.

We thought we’d write a post explaining all about insurance and how (and if) it can cover your locksmith needs by reimbursing you. Something we’re often asked by customers – “does insurance cover a locksmith”

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