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(right now it is loaded in my gunvault).
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Are the kids old enough to know the gun is a "no-no"? If not, you have a tough decision. The loaded gun in a locked gun vault is about as useful as the empty gun on the mantle. Can you put it where the kids can't get to it. Yea, I know, kids can get to just about anything.
I'll also suggest a monitored alarm and/or big, loud dog. Have the alarm company put several "panic buttons" around the house.