I was chatting with my neighbor yesterday—he's the kind of guy who always knows random stuff—and he mentioned something I never really thought about. Apparently, some car insurance policies have this little-known extra called "key replacement endorsement." Basically, if you lose your keys or they get stolen, the insurance covers the cost of replacing them, even those fancy electronic fobs that dealerships charge an arm and a leg for. Honestly, I had no clue this was even a thing.
Got me thinking about that one time I spent half a day tearing apart my apartment looking for my keys, only to find them in the fridge (don't ask). Could've saved myself a lot of stress knowing I had coverage like that. Curious if anyone else knew about this or has actually used it before. Seems like one of those hidden gems insurance companies don't exactly advertise loudly.
That's interesting—I vaguely recall seeing something about key replacement coverage when I was renewing my policy online, but it was buried pretty deep in the fine print. Honestly, I didn't pay much attention at the time. Now that I think about it, though, those electronic fobs can easily cost a couple hundred bucks to replace, and that's not even counting the hassle of reprogramming them. Makes me wonder what other useful little coverages might be hiding in plain sight... Has anyone here actually gone through the claims process for something small like keys? Curious how smooth it is.
"Makes me wonder what other useful little coverages might be hiding in plain sight..."
Yeah, that's exactly how I felt when I stumbled onto windshield chip repair coverage buried in my policy. Had no clue it was even a thing until a rock dinged my windshield last summer. The claims process was surprisingly painless—just a quick call, and they sent someone out to fix it at my workplace. I'd imagine key replacement would be similar, but who knows... insurance can be weirdly inconsistent sometimes.
Had a similar "wait, that's covered?" moment with roadside assistance. Always figured it was just for towing, but nope—locked my keys in the car at a gas station (yeah, genius move), and insurance sent someone out within an hour to pop it open. Didn't cost me a dime. Makes me wonder what else I'm missing... maybe there's coverage for spilled coffee stains on seats? Wouldn't put it past them at this point.
