it all depends how much insurance you want to pay
if you get key cover with your insurance, then the premium will alter depending on the number of sets and how the keys are controlled.
keys should never be labelled, but coded, and the coding kept away from the key box.
the other way you should look at this as well is, how much is a set of lock changes to be done.
believe me eurolocks arent cheap, ( well they can be if you buy the cheese ones) but generally not
regards
martin