And this is not always the case. There are cases in which the locksmith’s intervention will be included and there are many other cases in which the locksmith’s professional actions will not be included at all.
In the following lines of this article we are going to see those cases in which the mandatory participation is included in the home insurance and those cases in which the intervention of a locksmith is not mandatory at all.
This article intends to be an essential and basic guide to orient yourself in that moment in which you are going to request the services of locksmiths to have clear if you can count on the coverage of the insurance that you may have or not, but first of all -obviously- you must take into account the same particular conditions of the insurance.
This should be said because it is very important to highlight the differences in the particular conditions that may exist between one insurance and another. Not all home insurances are the same and, consequently, not all home insurances have the same coverage, that is why the first thing to check is whether the policy covers locksmith services and, if so, under what terms.
Loss of mapfre keys
To begin with, it is not the same to call a locksmith for lost or stolen keys and replace the lock as it is to leave the keys in the lock when leaving the house. Likewise, it is not the same to replace a simple lock as it is to replace an entire door.
In any case, the most important thing is to call the helpline of our home insurance -or contact the insurance broker- to consult the conditions of our insurance depending on the problem or incident we have had. If the insurance covers the contingency, they will send the locksmith.
It is important not to call directly to the urgent locksmith company before consulting with the insurance. If you call a locksmith on your own, you may be in for some very unpleasant surprises. First of all, you will have to make a large outlay, as these companies can charge hundreds of euros to open the door urgently (most of the time it is cheaper to spend the night in a hotel and wait for them to attend to you during normal business hours). In this sense, it is important to bear in mind that many policies only cover up to a maximum of the locksmith’s bill, and it is important that you take this into account.
As a general rule, some locksmith works are included among the different coverages. Thus, the insurance covers the work of opening doors in case of loss or theft of keys, but also in cases of carelessness in which we have left the keys inside.
This is as far as the expenses covered by most insurances go. This means that practices such as the replacement of a lock in poor condition due to prolonged use, opening problems due to breakdowns in the lock and the voluntary expenses of each owner in the replacement of parts are left out.
In order for the locksmith to get paid, several situations can occur. One of them is that the insurer has its own locksmiths affiliated with the insurance company. Others do not have affiliated professionals, so it is the homeowner who notifies the locksmith, pays him out of pocket and then goes to the insurance company for reimbursement.
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Mapfre home insurance
Insurance covers locksmith services as long as they do not involve the deterioration or malfunction of the lock. This means that if we leave our keys inside; if we lose our house keys; if they are stolen or the lock is forced and even if it is sealed with silicone, we can ask our insurance company to reimburse us, explains Mapfre.
It may also happen that they take care of the bill of a locksmith outside their service, but not the bonus for the urgent service if your policy does not cover it. “The fundamental reason for requiring a locksmith is usually determined by the urgency we have. The insurers’ own teams are a good option if there is no hurry and we can wait,” says Mapfre.