There is a topic in the Indiana Hometown forum at AR15.COM about the home invasion and murder that occurred in rural Brown County earlier this week. I haven't seen a topic about it here yet (don't know why), but I had some thoughts about this issue that I posted over there. Below is what I wrote:
This senseless tragedy should underscore some realities that too many of us either forget or choose to deny. [snip]
Home invasions can happen anywhere at any time to anyone. It doesn't matter how nice your neighborhood is or how remote your location. You may be at less risk than some others, but it can happen to you. Remote locations may in fact encourage such invasions because they suggest to the violent criminals that they are less likely to be noticed and that police response will be woefully too late.
People who will enter your home when they know you are home are willing to kill you without hesitation.
Such invasions happen very quickly with little or no warning. You have to be able to react immediately without dithering. That's why it really makes sense to carry on your person all the time, even when you are home. You may have weapons stashed all over your house, but you may not have time to take the three steps across the room, much less move to a different room to retrieve a weapon with which to defend yourself.
Much like you have a plan for fires or tornadoes, you need a plan for invasions of your home. Planning what to do will help you react immediately even if circumstances prevent perfect execution of your plan. That plan should include all members of the family, even if their role is to hide in their bedroom. Hopefully you have taken measures to develop the skills you need to enact any such plan. Just owning a gun and being a decent marksman is helpful, but it's not adequate.