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Rekeying a lock changes the internal mechanism so that a new key works, while replacing a lock involves swapping out the entire hardware. Rekeying is a good, cost-effective option when you want to ensure old keys no longer work, such as after moving into a new home or losing a key. It's also ideal if you want to keep your existing lock hardware. You should opt to replace the locks entirely if you want to upgrade to a more secure or different style of lock, if the current lock is old or damaged, after a break-in, or if too many copies of the old key exist.

Newer, electric-powered door locks generally have a life span of five years or less. That’s thanks, in large part, to a phenomenon called planned obsolescence, in which products are programmed to need replacing after a certain amount of time. That’s also why older, manual, push-key locksets can last up to 30 years with regular cleanings and maintenance. When it does come time for a new set-up, know that the cost to change locks ranges from $130 to $500 on average.

Many insurance providers offer policy discounts when adding security features to your home. The best way to find out if new locks will reduce your premium is to simply ask your agent.

There are several situations when you should change or replace your locks to ensure your home's security. Key moments include moving into a new house, after a break-in or attempted break-in, or when a roommate or anyone else with a key moves out. It is also wise to change your locks if you lose your keys, especially if they have an address attached or you suspect they were stolen. Finally, if your locks are old, broken, worn out, or have become unreliable, they should be replaced.