Cover for a lock after a burglary depends on your policy. Having home insurance does not automatically mean every locksmith visit will be reimbursed.
What to check in your policy
- Whether theft cover or locksmith assistance is included.
- The covered events, exclusions and required documents.
- Any requirements for locks and security equipment.
- The reporting procedure and deadline for your situation.
Before replacing equipment
Ask your insurer to confirm the required reference or security level in writing. A brand name, number of locking points or different certification should not be treated as automatically equivalent. Keep the references of the old and new equipment.
Preparing the documents
Collect photos without disturbing police evidence, case references and intervention documents. The locksmith describes the damage and work; the insurer decides on cover. If there is danger, personal safety comes first.