2nd - have you checked in to getting a home alarm? Brinks just changed their name - I forget to what. There's also ADC. I have Brinks - it's 31.99 a month and that includes warranty cost for replacement of equipment. Granted, nothing protects better than a firearm, but when the alarm goes off during the night, the BG will KNOW you've got an alarm.
Brinks is now Broadview Security
http://www.broadviewsecurity-home.com
I have them. I was not happy with the response time on one accidental triggering, but have otherwise been very happy with them.
They cost, for the basic package, $49 install and $31.99/month
So for the first year it is: 49 + 12*31.99 = $432.88
However, having an active alarm system that's monitored saves me 15% of my entire homeowners policy, or $283/year, every year. I faxed the insurance company proof of install, and I got a check in the mail for the full year savings since it's paid in advance.
Next year it is just 12*31.99, without the install fee, or $383.88, less the $283 I will save on insurance, for a total cost of $100.88 or $8.40/month.
Say what you want about it, it's certainly worth $8.40/month to me. YMMV.