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Handguns on your personal control or arms reach, yes, loaded and chambered. This addresses the "I rounded the corner and he was standing there with a knife in the kitchen..." breakin and surprise situation.
Longgun (AK, pump shotgun, AR, etc.) parked in the home office corner or next to the bed, for the "I heard a crash and breaking window" scenario... Loaded magazine inserted, chamber empty. You can pick up and chamber the round in one motion instantly. And it gives you added safety assurances keeping it unchambered until necessary.
And if someone can sneak into your home and surprise you then you have serious home security issues that guns are not going to solve. All entry points should be shut and locked if not being immediately used. That includes front door, windows, and garage doors.
Longgun (AK, pump shotgun, AR, etc.) parked in the home office corner or next to the bed, for the "I heard a crash and breaking window" scenario... Loaded magazine inserted, chamber empty. You can pick up and chamber the round in one motion instantly. And it gives you added safety assurances keeping it unchambered until necessary.
And if someone can sneak into your home and surprise you then you have serious home security issues that guns are not going to solve. All entry points should be shut and locked if not being immediately used. That includes front door, windows, and garage doors.