If you have 2 factor authentication at your front door, you in no way prefer ease of use.

If you're trying to prevent a burglar, it's overkill. They'll just use a crowbar.

Does the fact that a burglar used a crowbar vs. entered silently via a copied key play into how easy it is to deal with your homeowners insurance provider? (Genuinely curious, and couldn't find anything via a brief Google search.)