Same for a semi-auto.
There is no good reason to keep any shotgun chamber loaded in the house.
You can rack the op handle on an auto, or pump the pump on a pump while you are in the process of picking it up and getting it into shooting position.
If the split second it takes to chamber a shell from a loaded magazine is a deal breaker, you should probably build a fortified house, lock yourself in the basement, and never come out again.
rc