I carry a spare house and car key, and have the garage door opener in the car that will let me in the house.  As a backup, a friend has a spare house key.  Worst comes to worst I could break into the house.
The car, other than the spare key, is more of a problem.  The car has one of those *&^&^ computer chips, so the car won't work without the special key.  This will be the last car I own that has that, unless I have no other choice.  Ideally I'd have push button start and keyless entry.  This is 2009, why should I need a metal key to operate my car?  That's like 11th century technology.