It depends. More often than not, homeowners’ insurance is going to be able to pay for a portion of the break-in repairs, if not all of them. You want to be sure that you look at the details of the contract ahead of time so that you know what is going to be covered and what isn’t. Locksmiths are fairly affordable as well, so even if you have to pay for something, it isn’t going to be too expensive on your part.