That last post is incorrect. Juvenile burglars don't count, unless they were invited in.
IE if you have juvenile guests, who steal from you while enjoying "guest" status, then you are liable.
If they break in and steal from you, you are not.
Edit: Either way, lockboxes and safes are good ideas. I have no use for trigger locks, and the ones that came with new guns are all still in their plastic wrapping, in the gun boxes.
Transportable, key or combo lock steel boxes with cables are only in the $30 range, so I don't use trigger locks for transport. At home, a good safe is a good idea.