I'm still confused as to why a detached house is considered so much more dangerous than a duplex or apartment building. Op, I would be interested in any info. Is their neighborhood really crime ridden more than other areas?
You're trying to apply rationality to what is, at best, an irrational fear. Or at least the magnitude of it is irrational. Certainly it's possible that someone could break in, find nothing of value and then trash the furniture. The chances of a break in in a good neighborhood are not much greater at night (if nobody is home) than during the day (when frequently nobody is home.) The chances of a break in at all in a nice neighborhood aren't that great either. The idea that someone must
be in the house while the owners are on vacation, or some disaster will occur, isn't rational. Unfortunately, OP seems to have bought into this same fear.
Can stuff go wrong? Sure. There are no guarantees in life. But living ones life to avoid a .1% possibility (statistic made up, so don't go quoting me) is very unwise.