The first rule of firearm safety is "all guns are always loaded". But moving from the mindset to the actual, I typically have 5 guns 'loaded" in the house:
1) Gunvault downstairs
2) Gunvault in bedroom
3) AR in BR closet
4) Shotgun in BR closet
5) Carry gun (usually stored in safe or a gunvault)
The pistols in the gunvault may vary (P7, 1911, S&W65) but whatever it is the gun is "hot" - i.e., a round in the chamber, cocked and locked if applicable.
The rifle and the shotgun are stored with magazines charged but with empty chambers, hammer down.