Abigail Ratchford's Home Invasion: Analyzing the Aftermath

Abigail Ratchford had a terrifying situation unfold this weekend.

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when cops say 3 goons broke into her freaking house ... this while she was still INSIDE

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The long-time Instagram model -- who has over 9 million followers –

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She was hanging out at her L.A.-area property Saturday evening

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When her house alarm went off while she was in there.

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We're told 3 men had attempted to burglarize her home.

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Smashing through a large window from her backyard and slinking on in,

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Sliding glass door ... but she luckily never came face to face with them.

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Still, our sources say the idea of her coming downstairs for a drink

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That evening and running into the three men absolutely terrifies her.

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