Home Insurance and Locksmith Services: What Your Contract Covers

Lock-related emergencies can be stressful, and the next step is often insurance paperwork. Knowing what your policy covers helps you avoid delays and unexpected costs.

What the “assistance” coverage usually includes

Assistance coverage often includes emergency opening for situations like a slammed door, key theft or a lock failure, depending on your contract conditions.

Burglary reimbursement: the usual requirements

After a burglary, you typically need to file a complaint within 24 hours, declare the claim within 5 working days and keep the locksmith invoice.

Optimize coverage: expected costs and A2P requirements

Check your reimbursement ceiling, waiting periods and whether your insurer requires a minimum A2P level. This helps prevent paying for parts not covered by your policy.

FAQ

Does my insurance cover a slammed door locksmith?

If you have assistance coverage, often yes. Calling your insurer first can help them mandate an approved locksmith.

What is the typical deductible (franchise)?

It varies by contract. Common ranges are often between 0€ and 150€. Check your specific terms.

Is the locksmith invoice enough for reimbursement?

The invoice is necessary and may need to be accompanied by the complaint filing (for burglary cases) and the claim declaration.