and again, day night would be the perfect solution to appease both those wanting to enter every house and those demanding consequences for that.
a) enter house during day --> occupant walks up to intruder and asks to leave, if not leaving immediately NPC asks one more time , then after x-seconds guards appear which you can either follow outside, pay bribe or agro
b) enter house during night, NPC's sleep, so opportunity to sneak around and loot but if noticed or fail at stealth, occupants will wake up, notice and immediately go aggro/call guards.

No ? smile