Does Renters Insurance Cover Locksmith?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    An insurance policy pays for damages.  If there isn’t damage then there isn’t a source of a claim.  If theft has taken place and the thief had a key to the residence there are provisions that would tend to exclude a claim.  I have had a claim where a former resident entered the residence and robbed it.  That claim was covered.  I don’t believe that rekeying the premises was included in the settlement.
    Answered on April 28, 2014
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