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Even though just having a firearm pointed at them may deter 95% of criminals, you do not want to take a chance by leaving all of them unloaded. What is going to happen when you or one of your family members is pointing an unloaded weapon at an intruder and the intruder begins to pull out his? Can you or your family members load the firearm and fire before a bad guy pulls his out and fires. Probably not. I cannot tell you what to do but I would try keeping at least one loaded somewhere that a curious child cant get to it and train everyone in your household in proper firearm safety and handling.