Are Door Locks Covered on Home Insurance?
When it comes to protecting your home, locks are your first line of defence. But what happens if your locks are damaged, broken, or need replacing? Many homeowners ask the same question: are door locks covered on home insurance?
The answer is… sometimes. It depends on your policy and the reason for the damage.
When Locks Are Covered
Most insurers will cover lock replacement if:
- Your locks are damaged during a burglary or attempted break-in
- Your keys are stolen (some policies include this automatically)
- Your locks are damaged by vandalism or malicious damage
When They’re Not Covered
- General wear and tear or old locks failing
- Misplacing your keys (unless you’ve added “key cover”)
- Locks that don’t meet insurance standards (like BS3621 mortice deadlocks)
Why Insurance-Approved Locks Matter
Insurance companies expect you to secure your home properly. Fitting the right locks not only keeps your property safe but also ensures your cover is valid. The most common requirements are:
- BS3621 deadlocks on wooden doors
- Multi-point locking systems on uPVC/composite doors
- Window locks on accessible windows
Peace of Mind With Professional Help
At Midlands Locksmiths, we’re MLA-approved locksmiths serving Coventry, Leicester, and the West Midlands.
- Upgrade your locks to insurance-approved standards
- Replace locks after a burglary, vandalism, or stolen keys
- Provide emergency call-outs if you’re locked out
Contact us today for expert advice, fast locksmith service, and peace of mind knowing your home is secure.