What to Do If Your Car or Home Keys Are Lost or Stolen
By Shimi Luzon · License #B04105801 · 4 min read
If your keys are stolen, call the police for a report first, then a licensed locksmith to rekey your home and replace your car key - don't wait, since a stolen key means someone may have working access to your property.
Losing your keys is annoying. Having them stolen is a genuine security risk - someone may now have access to your home or car. Here's what to do, in order, for each situation.
If Your Keys Are Lost (Not Stolen)
A few steps to take if you've simply misplaced your keys, not had them stolen:
- Retrace your steps and check with anyone you were with recently
- If there's any chance they were left somewhere public with your address on the key ring or attached ID, treat it as a stolen-key situation instead - don't assume it's safe
- A spare key at home or with a trusted family member is the fastest, cheapest fix if you have one
If Your Keys Are Stolen
If your keys are stolen, act in this order:
- Call the police immediately and get a case/reference number - you'll need it for any insurance claim
- Secure what you can in the meantime - a steering wheel lock or wheel clamp on your car until locks are changed
- Call a licensed locksmith to rekey your home's exterior locks and replace or reprogram your car key
- Rekeying a home typically costs $150-$300 for 5-7 locks
- Car key replacement runs $100-$400 depending on key type - see our car key types guide for the full breakdown
Reducing the Risk Before It Happens
A few habits that lower your risk before anything goes missing:
- Don't keep your house and car keys on the same ring - a stolen ring shouldn't compromise both
- Never leave a bag unattended in public, at work, or at someone else's home
- Don't hide a spare key near your front door - a key visible or reachable through a mail slot is a common target
Frequently Asked Questions
How fast should I rekey my home after keys are stolen?
As soon as possible - ideally the same day. A stolen key means someone may have working access until the locks are changed.
Does homeowners insurance cover a lock change after theft?
Some policies do, especially if tied to a documented break-in or theft with a police report. Check with your provider - having the case number ready speeds up any claim.
Can I just rekey instead of fully replacing the locks?
Yes, in almost all cases. Rekeying uses your existing hardware and is faster and cheaper ($20-$40/lock) than full replacement ($80-$200/lock), and is equally effective at invalidating the lost or stolen keys.
Keys lost or stolen? We can rekey your home and replace your car key the same day. Call now.
Licensed locksmith · Garland TX · Mon-Sat 7 AM - 10:30 PM · Upfront pricing
License #B04105801
Shimi Luzon
Licensed Texas Locksmith · License #B04105801 · 17 years experience in Garland TX and DFW