I always worry about lost or damaged keys and the cost and inconvenience involved. I searched some form of insurance and found one called keycare that gives cover.
You get a fob that attaches to your key ring that pairs with your phone so if you lose your keys you can search for them. It covers the loss and replacement of any key including house keys, pays for locksmiths and replacement keys and a host of other things.
Very handy thing for £4 a month.