Everything You Need To Know About Your House Lock Covered

One of the incidents that we can encounter in our daily lives is not being able to access our home due to some circumstance beyond our control, such as the loss of keys or simply the lock having been forced or damaged.

In this situation, it is important to resort to home insurance because the contingency could be covered by insurance, trying to avoid calling an urgent local locksmith service provider that usually charges very high fees and that are generally not reimbursed by the company, and if is in an amount much lower than the amount paid. 

If you are looking for reliable experts for lock rekeying then the best option is ARCO Lock and Security.

The circumstances we may encounter are various and a different responses depending on the insurer since the simple loss of keys is different for them than damage to the lock due to a robbery, robbery, or attempted robbery.

Does Home Insurance Cover Changing The Lock?

Normally, insurers usually cover the opening of the access door to the home when the insured has left the keys inside the home, but in the case of loss of the keys, some companies cover only the opening and not the changing of the lock as several insurers already do. That is, in this first case the insurers would open the door and, if necessary, change the lock with their corresponding set of keys.

Taking out home insurance provides multiple advantages, becoming a very helpful instrument to solve various daily contingencies. Lacking this protection can cause a simple problem, with an easy and quick solution, to cause a significant setback.

Let's look at a most common example. If you do not have a policy for your home, and you have had a mishap while trying to enter, you will have to call a locksmith, wait for him, and pay the cost; Or, if you have left the keys with a neighbor or the doorman, you will run the risk of them not being available when you need them.

As in all home insurance coverage, there are also situations not covered by the insurance, such as the case of a lock breakdown that would entail, if necessary, opening the door, but not changing the lock. A different issue is the fact that the door has been forced by a robbery, robbery, or an attempted robbery since in this case, the insurer must change the lock with its corresponding set of keys.

However, it must be indicated as an exclusion that appears in all home insurance policies about this coverage, the fact of going to another professional not designated by the insurer.

In short, this coverage, which must appear in your insurance policy, is very useful in situations that usually cause us a lot of problems, so it would be advisable to always have your insurer's helpline within reach, not recommending, as we indicated, the call for urgent locksmith services due to the high disbursement that this entails and the limited possibilities of reimbursement from the insurance company, at least in its entirety.

Having home insurance is not mandatory unless you have a mortgage or a rental contract that requires it. However, having a policy for your home will give you peace of mind if, for example, an incident occurs with the lock on the door of your house. One call will be enough for a professional such as ARCO Lock and Security to open, replace the mechanism, and carry out all the work safely and quickly.