Does House Insurance Cover Locksmith?
If you happen to be accidentally locked out of your home for whatever reason, it may be costly to hire the services of a reliable and professional locksmith for help. To mitigate this risk, is home insurance the answer?
The financial coverage provided when you get locked out of your home to cover the costs associated with hiring the services of a locksmith is called home lockout protection assistance. However, it’s very rare that this type of perk is covered by a homeowner’s insurance policy. In the common cases where it’s not included, you can file a claim for reimbursement of the costs associated with hiring a professional locksmith to re-key your lock or let you into your home. Without raising your hopes, it should however, be stated that using a house’s insurance to provide coverage for lockout will hardly work in your favour.
In order to file a claim under homeowner’s insurance coverage, it’s a must to pay your deductible upfront. This can be very costly depending on a number of factors. And to state the interesting part of it all, the locksmith services in association with being locked out of your home is, at most times, even lesser than the deductible amount you’re expected to pay to file a claim. As a result, it’s simply a no brainer to pay for the home lock out from your pocket than to use the home lockout protection assistance.
There’s however an option of getting a home lock out protection via auto club membership such as AAA. They’re known to re-imburse their premium members with a good amount of money towards the costs associated with a home lockout.