{"id":14099,"date":"2023-11-30T03:59:39","date_gmt":"2023-11-30T01:59:39","guid":{"rendered":"https:\/\/www.schluesseldienst-muenchen.de\/unkategorisiert\/uebernimmt-meine-hausratversicherung-die-schluesseldienst-kosten-fuer-eine-professionelle-tueroeffnung\/"},"modified":"2026-07-06T03:57:35","modified_gmt":"2026-07-06T01:57:35","slug":"does-my-contents-insurance-cover-the-locksmith-costs-for-a-professional-door-opening","status":"publish","type":"post","link":"https:\/\/www.schluesseldienst-muenchen.de\/en\/company-information\/does-my-contents-insurance-cover-the-locksmith-costs-for-a-professional-door-opening\/","title":{"rendered":"Will my home insurance cover the locksmith costs for a professional door opening?"},"content":{"rendered":"

Are you currently wondering whether your household contents insurance (Hausratversicherung) pays the costs for a non-destructive door opening by a professional locksmith? The answer depends entirely on your chosen tariff! If you have only chosen a basic tariff, your household contents insurance will by default “only” cover damages caused by fire, burglary, storms, or water. The costs for a professional door opening, however, are not covered.<\/p>\n

Since many people, however, also want to know that the costs of a door opening by a locksmith are covered, the insurance industry has created the so-called home and apartment protection insurance extension (Haus- und Wohnungsschutzbrief).<\/p>\n

\"Billing<\/p>\n

Household Contents Insurance with a Home and Apartment Protection Extension Generally Covers Locksmith Costs for Door Openings!<\/h2>\n

If the home and apartment protection extension is part of your household contents insurance, it also covers the costs for the door opening. In premium tariffs, the home and apartment protection extension is fundamentally included.<\/p>\n

Please Read the Fine Print in the Contract with Your Household Contents Insurance!<\/h2>\n

Some insurance companies only pay the locksmith costs for the door opening if you call your insurance before the door opening so that they can organize the locksmith. The reason is understandable: there are still some unscrupulous locksmiths who charge usurious prices for their “service”. Insurance companies are not willing to cover overpriced fees for a door opening. For that reason, some companies prefer to organize the locksmith themselves.<\/p>\n

Insist on a Proper Invoice in Which All Locksmith Services Are Described in Detail!<\/h2>\n

One more important note last but not least: It is important that you can present a proper invoice to your household contents insurance so that they will cover the costs for the door opening by the locksmith. On this invoice, all services should be described as precisely as possible. So insist on the issuance of a proper invoice!<\/p>\n","protected":false},"excerpt":{"rendered":"

Are you currently wondering whether your household contents insurance (Hausratversicherung) pays the costs for a non-destructive door opening by a professional locksmith? The answer depends entirely on your chosen tariff! If you have only chosen a basic tariff, your household contents insurance will by default “only” cover damages caused by fire, burglary, storms, or water. 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