I'm in an apt.
I only keep my CCWs here, long guns are off-site in a walk- in vault.
My CCWs are always loaded,semi's have one in chamber and the 1911style is C&L. Though at the moment I'm on top floor, I have in the past been on 1st or 2nd. I have also lived in a townhouse with a wife and kid while a house was being built.
CCW on person. When not I have a "safe secure zone" I also have and use a "clearing bucket". Be it an bucket filled with sand, or heavy furniture with materials. For instance in the townhouse there was a handgun kept in a pc of heavy funiture with said materials, lockable. Not always a revolver either. One of the testings I did was for this very thing when out shooting bldg materials, autos, glass. Safety always, so using what learned and educating the missus at the time I made steps for security.
Also Zones of fire with funiture and the kid was educated on what to do and where "cover" (not concealment) was. Family educated, drills practiced.
The only problem I"ve had was a neighbor to my current apt, immature rookie LEO whom like to party and drink to excess. He and his buds after much booze disharged a Glock one night. Thankfully bullet went the other direction and into an apt where no one home. .40 cal . BTW this fella and his friends did not make probabion and not LEO.
NO disrespect to LEO. Booze and guns don't mix, I'm sure ALL LEOs here agree with that...even for one of their own.