If you lose your only home key, changing the lock is your only option. You will need to contact a reliable and experienced local locksmith who can assemble you a new lock.
A qualified locksmith makes keys by hand without the need for real keys. The price will likely depend on the type of door lock and the time it takes to make the new lock. You can also look for the best key replacement service via an online source.
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Before hiring a locksmith to replace your house keys, consider whether your lost keys can easily be traced back to your property. If possible, you may wish to change your lock. It costs more than an inexpensive key replacement but gives you the peace of mind that no one can access your home with your lost home key.
It's also worth seeing that lost keys can revoke your home insurance. If you lose your home key and someone uses it to gain access and rob your property, you may not be able to sue.
The problem is, your home insurance company is telling you that you haven't taken appropriate action to protect your home. Many politicians need proof of forced entry before they are ready to pay their claims.
If you want to completely change the lock, the locksmith can try to punch or penetrate your lock to gain access. Then they'll change the locks and cut you a new set of keys.