Does home insurance always reimburse the locksmith?

Not automatically. It depends on your guarantees. Assistance usually covers emergencies; burglary falls under theft cover. Read your policy and call your insurer first when possible.

How long do I have to declare a locksmith claim?

For burglary, generally 5 working days to report to police and insurer. For urgent lockouts, you can often claim afterwards, but call assistance first to validate the provider.

Is the locksmith invoice enough for reimbursement?

For simple emergencies, often yes with your claim form. For burglary, add the police report. The invoice must be detailed and from an identifiable professional (SIRET).

Locksmith Reimbursement Home Insurance

You just called a locksmith and wonder if your home insurance can pay the bill? It depends on the guarantees in your policy and the type of situation. This guide explains when and how to claim reimbursement.

Guarantees that may cover locksmith work

Assistance cover

Most often used for everyday emergencies:

✓Slammed door (locked out without keys)
✓Lost or stolen keys
✓Jammed or faulty lock blocking access
✓Accidental cylinder damage

Call your assistance number first — your insurer may appoint a provider and pay directly or reimburse up to a policy limit.

Theft and vandalism cover

After a burglary, this cover typically includes:

✓Replacement of forced or damaged locks
✓Cylinder or door replacement if needed
✓Costs to re-secure the property

Amounts are usually capped (often €500–€2,000) and may include an excess.

Maximising reimbursement

Call assistance before choosing a locksmith if your policy includes it.
Get a proper invoice with business name, SIRET, work description, parts and labour, and total incl. VAT.
After burglary: file a police report within 5 working days and declare the claim promptly. Take photos before urgent securing if an expert visit is required.

What is usually not covered

✓Preventive lock upgrades unrelated to a claim
✓Worn cylinder replacement through normal use
✓Work without a valid SIRET or proper invoice

Check your policy excess: if it is €150 and the bill is €140, you may receive nothing.

Common situations

Situation	Typical cover	First step
Slammed door	Assistance	Call assistance number
Lost / stolen keys	Assistance	Same + report theft if applicable
Burglary	Theft & vandalism	Police report + claim within 5 days
Worn lock failure	Usually not covered	Pay yourself
Forced cylinder	Theft & vandalism	Same as burglary

Before an emergency happens

Save your assistance number in your phone.
Check the reimbursement cap for locksmith work (often €300–€1,500).
Read your policy’s exclusions once — not at 2am.

247 Serrurerie serves Paris and Île-de-France in under 30 minutes with clear quotes, RNCP certification, and detailed invoices.

Request a free quote or see our pricing page.