Police say the woman shot Garms in self-defense. Garms tried to flee the home but collapsed on the sidewalk outside the home. He was rushed to a local hospital where he was pronounced dead.
The second man, described as a black man wearing an orange shirt, also fled.
The homeowner was not physically injured during the break-in. Police say the case file will be turned over to the Jackson County Prosecutor's Office for review.
Police are asking for tips. If you can help, call the TIPS Hotline at 816-474-8477.
Garms is KCMO's 34th homicide victim of 2012. The city has seen the most homicides since 2009, outpacing the last two years. For more, see the homicide analysis below.