Does Homeowners Insurance Cover Locksmith Services?

February 4, 2021

BY: David Davidof

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.

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About the author

David Davidof is the founder & owner of Quickly Locksmith. The business has grown from strength to strength to become Miami’s go-to provider for Locksmith and Security services. Whilst the company has grown, the founding ethos has remained the same - Helping people in emergency situations and giving them the feeling they are safe.

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Whether you need a locksmith near me or any reliable locksmith services in Miami FL, You can depend on us! We have the expertise and experience of over 18 years and hundreds of security projects in the local Miami community.

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Our Tips For Getting The Best Locksmith Services In Miami FL:

We truly care about your security. Keeping you, your family and your most valuable possessions safe is why we are in business. However, whenever you are looking to hire a residential locksmith service, here are some valuable tips to make the right choice.

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FAQ

HOW DO I KNOW WHETHER MY MIAMI LOCKSMITH IS CERTIFIED?

When a Miami locksmith completes their official application process, they are issued with a Locksmith ID car. Locksmiths in Miami are required to display this card at all times when performing any services, regardless of the location.

HOW LONG WILL A LOCKSMITH TAKE TO ARRIVE?

When you’re working with the Quickly Locksmith Miami team, you can expect someone to arrive at your exact location within 15 minutes. This ensures we can get you back into your home or car as soon as possible.

WHAT DOES A CERTIFICATION GUARANTEE?

Your certified Miami locksmith’s work comes with a complete warranty for your locks, your property (doors/ hallways, etc.), and of course your well-being. If anything happens you share no liability, and your locks & security systems are 100% insured.

CAN A MIAMI LOCKSMITH OPEN ALL LOCKS?

A locksmith that has the right tools and years of experience can open almost any lock. If that’s not an option, the lock can always be replaced. Either way, your home and valuables will be safe and secure.

CAN AN AUTO LOCKSMITH CREATE A SPARE KEY AT MY LOCATION?

When you are locked out of your car, the last thing you want to do is arrange a ride to a locksmith shop. The Quickly Locksmith Miami mobile unit will not only meet you at your location but also help you with a replacement car key on the spot.

DO I NEED THE ORIGINAL KEY TO MAKE A KEY COPY?

Not necessarily. If your original key has been lost or is damaged, a Miami locksmith can use a code cutter to identify the depth of grooves in a lock’s key code. This information can then be used to create a new key.