With a toddler running around the house, I've had to think about this, and will have to continually re-evaluate to make sure he doesn't have access. At night, I keep a 4" .45 1911 with 100 lumen light within 18 inches of my hand when in bed, all doors locked, shutters closed, alarm on. There is a 20 gauge (so the wife isn't afraid to shoot it) loaded with buck/slug alternating on the top shelf of the closet. During the day, when I get home, I either stay heeled or disarm to our high kitchen island which is inaccessible to our little fella. It's 5 seconds max to be armed from anywhere in the house. All doors stay locked when we're at home.
My biggest contemplation has been what to do at night if the alarm goes off. I have the zones memorized so a quick glance at the panel can tell me where to expect problems. However, our son's room is across the house, and you have to pass through an area that opens into the wide open living room/kitchen to access his room. The options I have considered at this point are:
-Grab gun, race to son's room, grab him, race back to bedroom to make a stand while wife calls 911. Avoid contact unless directly confronted.
-Grab gun, systematically clear house, leaving son in his room while wife calls 911.
If I didn't have my boy to worry about, I would call 911, and conceal myself behind the bed with my wife with a lot of firepower trained at the one door into our bedroom. However, staying put cannot happen with my son potentially in danger, so I would be forced to either run and grab him or try and deal with the invaders first. My only qualms about dealing with the invaders first is that they might somehow get to him first (i.e. break into the extra kids room which is connected via jack/jill bathroom to my son's room) and cause harm or use him as a hostage.
What are your thoughts?
--NEB