A step-by-step sequence for lost keys, stolen wallet, and other urgent situations — in the right order, without overpaying or making a rushed mistake.
Bottom line: If you cannot account for all copies of your keys and there's any realistic way someone knows where you live, call a locksmith now. Rekeying 3-4 exterior locks costs $120-$300 and takes under 90 minutes. The cost of one night's peace of mind is worth it.
This checklist applies to: lost keys, stolen wallet with keys, keys left at someone's home or workplace, and any situation where you're unsure who has access to your home right now. Return to the main guide to match your specific situation first.
Follow these steps in order. Each one either reduces your risk or saves you money.
Keys lost with any ID showing your address: critical. Keys lost at home with all copies tracked: lower priority. Keys lost near your neighborhood or workplace: high risk. This step determines how fast you need to move.
Do not accept a vague "starting at $X" — ask for a quote by lock brand and type. Get three quotes. A reputable locksmith quotes your specific locks, not a flat mystery fee. Same-day/emergency rates apply but should be disclosed upfront.
Before the locksmith arrives: write down every keyed exterior entry. Front door (may have 2 locks), back door, garage entry door, basement entry, any secondary unit doors. This prevents missing one during the visit.
Rekey (same lock, new pins): adequate for lost/stolen keys and post-breakup situations. Replace: needed if the lock is visibly damaged, forced, or over 10 years old. Upgrade to smart lock: add $80-$180 if you want keypad or app access going forward.
Watch the locksmith rekey each lock. When done, test the old key on each lock — it should not work. Test the new key on each lock — it should open smoothly. Do not pay until you have confirmed all locks work and old keys are dead.
Count every new key made. Write down who gets a copy and why. Keep a master count. This is the step most people skip — and the one that causes the next emergency. A key log is a 5-minute habit that prevents future rekeying costs.
The rekey is done — but there are three more steps that take under 10 minutes each and significantly raise your security baseline.
Every exterior entry point: front door, back door, garage entry door (if keyed), and any basement or side entry. Interior locks are not typically needed unless there is a specific interior security concern such as a room used by a former employee or tenant.
A professional locksmith rekeys a single lock in 10-20 minutes. A whole-home rekey of 3-4 exterior locks typically takes 45-90 minutes including arrival and setup. Ask for an estimated time when you call — it helps you plan your day.
Usually not necessary for a key-control emergency. Interior locks are relevant if you have a dedicated home office with sensitive files, a rental unit within the property, or a specific person you're concerned about who had interior access. For most lost/stolen-key situations, exterior locks only is the right scope.
Most US states allow tenants to rekey locks without landlord permission in emergency situations (domestic violence, break-in). In non-emergency situations, you typically need written permission first. Many leases require you to give the landlord a copy of the new key. Check your state's landlord-tenant law or call a local tenant rights organization if you're unsure.