The personal liability insurance covers the loss of keys owned by third parties, for example the keys to your rented apartment, to your workplace or to the clubhouse. 

Insured is the acquisition of a new key and, if necessary, the replacement of the locking system.

Please note that the compensation in the liability insurance is limited to the current value of the "item" (in this case the key/locking system). 

Similar to a motor vehicle damage, the injured party receives the amount of money necessary to obtain a comparable item (according to age, use, etc.).

The full reimbursement of a new lock can be arranged separately with an add-on.