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You may be able to get a broken key out of a lock by yourself, depending on the situation. If a portion of the key is still protruding from your lock, try lubricating the keyway and using pliers or even a bobby pin to pull the key out of the hole. If you have jigsaw blades handy, you can also try using those to grab onto the stuck key and pull it out. 

But, if neither option works or you can’t reach the key, your only option is to call a locksmith for help. 

The cost-effectiveness of fixing or replacing a door lock depends on the severity of the issue. Repairing a minor problem, such as loose screws or a need for lubrication, is usually cheaper than replacing the entire lock. However, replacing the lock if it is severely damaged, outdated, or lacks security features may be a better long-term investment. New locks often have improved security features, enhancing your property's safety.

Yes, you should always change your locks after buying a house. Do so as soon as possible after you move in. Otherwise, you won’t know who has working keys to the property, whether they’re spare keys or otherwise. If an intruder gains access to your house with a key, it may not be covered under your homeowners insurance.

While a strong conventional deadbolt offers enough security for most homeowners, if you’re looking for extra features beyond just simple locking, smart deadbolts are the way to go. Smart deadbolts allow for keyless entry using your phone or a code, remote access in case someone is locked out, and features like temporary access codes, automatic locking, tamper alerts and entry-exit monitoring. Smart deadbolts also come with downsides: they rely on batteries and wireless networks and are potentially vulnerable to hacking by skilled home intruders.