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Loss of keys insurance

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Hey everyone,

I am trying to sort out my insurance stuff. We are probably going to get private liability insurance. But, I just talked to Zurich Connect and they say that any expense coming from loss of keys (changing door locks etc.) will not be covered.

If I take out household insurance too, they will only cover if the key has been stolen.

Does anyone, from their experience, know if the loss of key expenses are covered under any insurance? I did do a search and found a few threads but none of them was conclusive on this issue.

Cheers

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