Simplisafe has this to say about coping with a burglary that is in progress while you are home. If you don’t want to read the whole thing, it is summed up by Han Solo.
Fortunately, unlike movies, most burglars are looking to steal your belongings, not harm you.
Leave your family behind, retreat from your home, hide down the street, and hope your kids meet you there:
Have a plan before anything occurs—call a family meeting tonight! How many people live in your house? Can they all ambulate to a designated meetup space? If they can, great—pick a spot down the street where you’ll all meetup in case of any emergency that requires you to get away from the house (this is good for more than just break-ins, it’s a great plan to have in case of a fire).
Hide in a closet with a deadbolt on the door:
Do everyone’s bedrooms lock from the inside? If no, this is also a great piece of work for your to-do list. Consider also putting a lock on the inside of a closet, such as a deadbolt. Charge your cell phone. Never go to bed with a dead cellphone. Charge it and make sure it’s either close to your bed or in the closet with the deadbolt on it
Don’t make any noise, and maybe they won’t notice that you are home:
we don’t know what the burglar wants, and we don’t know how he or she will react. Yelling simply gives away your location and will allow the burglar to find you faster. Instead, get up and lock your door as quietly as possible. Listen very closely to see if you can guess how many intruders there are. Do you hear speaking? Is there any auditory evidence of a weapon?
But if they DO want to hurt you, and they DO have a weapon, you are royally fucked. Why? Because of this next piece of advice:
Unless you are a trained professional, don’t grab a weapon. This includes firearms, baseball bats and pepper spray. They all sound like a good idea, but again, we don’t know how the burglar will react to seeing an armed person.