Does Home Insurance Cover Locksmith? 
If you lost your keys , you 're probably out of luck since most insurers do n't pay for replacement keys in that situation . However , if your locks were damaged during a theft or break-in , or the keys were stolen , many homeowner 's policies will pay for their replacement . It 's possible a deductible may not apply since it clearly is in your and the insurance company 's best interest to replace your locks . An experienced broker will shed additional light and information on this topic . 