If you are looking for real security from seriously motivated thieves, or from a house fire, then you do need to spend pretty big bucks on a serious fire rated safe. I see a lot of cheap gun "safes" on sale that may not provide the level of security that the buyers think they are getting.
I bought a medium sized American Security Safe almost 30 years ago (that one cost almost $1,000 back then) when my kids were just stating to toddle around. The kids' safety was my prime motivator then. I have recently purchased a second, and larger, Champion safe with 2 hour fire rating ($2,500). This is an even more secure safe with top and bottom door bolts in addition to the side door bolts.
My kids no longer live at home, but now there are grandkids to worry about. Additionally, over the past 30 years my gun collection has grown in numbers as well as in total investment, so I am more concerned now about loss due theft or fire than I was back then.
If you have kids at home, your first priority should be their safety, so almost any gunsafe or lockable cabinet will do. But don't be fooled that any "budget" gun safe will be the ultimate protection from theft or fire.