It depends heavily on your policy and the situation, but there are a few patterns worth knowing before you assume either way.
Usually Covered
- Lock replacement after a break-in or attempted burglary (as part of a covered claim)
- Damage repair caused by forced entry
Usually Not Covered
- A simple lockout because you misplaced your keys
- Routine rekeying after moving in
- Preventative security upgrades
Roadside Assistance Is a Different Story
If you have roadside assistance through your auto insurance, credit card, or a separate membership plan, car lockouts are frequently covered there, worth checking before you pay out of pocket.
ANSI Grade 1 Discounts
Some homeowners insurance carriers offer small premium discounts for installing ANSI Grade 1 deadbolts or monitored smart locks. See our best deadbolts for California homes guide.
Not sure what your specific policy covers? Check with your provider directly, we're happy to provide an itemized invoice that makes filing a claim easier. Call 818-249-5128.