Yes, comprehensive coverage often covers key-related disasters. But here’s the catch—and there’s always a catch, isn’t there? It’s not about the keys themselves. It’s about what happened to get them back.
Most policies cover things like a locksmith’s visit or a tow to the dealership. They don’t cover a new key fob you dropped in a puddle out of sheer clumsiness. That’s on you, butterfingers.
What actually qualifies?
If your keys are stolen, you might have a claim. If they’re broken inside the ignition from a mechanical failure, maybe. But if you simply misplaced them in the grocery store produce aisle? Nope. That’s a hard pass from your insurer.
Think of it this way: insurance hates “I was careless” claims. They love “a criminal was careless” claims. Funny how that works, huh?
