Lock Replacement & Repair Cover
The locks on your windows and doors are there to keep your home secure. When they need to be changed, whatever the reason, it’s usually a priority.
But what might a typical home insurance policy cover you for when it comes to paying for locks to be replaced or repaired?
What if I've been burgled?
If your locks were damaged during a break-in, your home insurance policy may potentially cover the cost of any repairs or replacements needed to secure your home. Your insurance will only pay back any costs over and above the excess on your policy.
Unless you specifically asked for a zero excess policy, you are likely to have to pay at least the first £100 of any claim, and maybe more. If you’re only having the locks changed on one door, you’ll need to consider whether a claim is actually worthwhile once this amount is taken away from your payout.
Did you know?
Intruders often enter through an unlocked door - so remember to lock up and get any faulty locks fixed as soon as you can, especially as not properly securing your home could mean a theft claim may not be covered.
What if I lose my keys?
If you lose your keys or they are stolen, you may be surprised to hear that some home insurance policies will cover you for the cost of having new locks fitted, including both the costs of the hardware and the locksmith’s time to do the job. This won’t be included in every home insurance policy, but it’s worth checking before you fork out the money for the work to be done.
Find out more about home insurance through Swinton.
Find out more about Home Insurance through Swinton...
- Combined Home Insurance - Protect your home and its contents
- Buildings Insurance - Flexible buildings cover to suit your needs
- Contents Insurance - Protect your possessions from loss or damage
