Loaded
I have my Carry gun (P95) loaded all of the time, it sits next to me at the dinner table, on the couch when watching TV, and on the bedstand at night. Inside the house it sits in my fanny pack with a cell phone, cuffs, spare mags, etc. By the bed is a Mossberg 12 guage Security model (7+1), fully laded, with a bandolier of half slugs, half 00 Buck, both my wife and myself practice with it regularly. In the closet is a scoped Interamrs Mark X 30-06 loaded, with plenty of spare ammo. I have a Bug Out Bag in each Truck, with an unladed Mossberg 835, lots of ammo, and all the survival gear you would ever need. At work, we have a large arnsenal of any kind of weapon you could possibly need. I take safety very seriously, and spen upwards of $5000 a year on training for my wife and myself, and work spend three times that on me. As a side note, IMHO, the second most important security item in any house defense situation is two phones. One landline in the bedroom or safe room, and a charged cell phone with you at all times (you never know when a home invader might get smart enough to cut the phone line before breaking in). After evaluating the situation, in a lot of cases, you will find the need to contact backup (read Law Enforcement) as soon as possible. Having a working phone available is extremely important.
