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I had thought "home invasion" normally referred to intentionally breaking in / forcing in when people were home, in order to force them to hand over drugs, open safes, etc. Home invasions are deliberately violent.
Home invasion normally is not used to describe a burglar surprised by the presence of home owners.
They usually seem to occur at the homes of drug dealers; sometimes they happen because the robbers get the wrong address. Sometimes they have what was once a drug address, but is now owned and occupied by solid citizens - this happened to a couple in Missouri, which is why Missouri home sellers must now answer a disclosure as to whether a home was ever used as a meth lab.
Sometimes drugs and bad addresses are not involved. The gang who executed Byrd and Melanie Biilings near Pensacola thought Billings had a quarter million in a safe in the house... Leader of the gang was a former employee of Billings.
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