We do have small children and teenagers in our home, so a liberal sprinkling of loaded weapons around the house is out of the question.
Since I work at home, I keep one gun loaded and on me at all times. In fact, since I work at home, I actually wear a pistol in a Bianchi thumbreak holster on Bianchi gunbelt with a spare magazine pouch. Not trying to play cop; it's just more comfortable. Besides, it gives me a minimum of 27 rounds of ammo at the ready.
My wife's gun is in a safe by the bed; it's loaded with a spare magazine. With two exceptions, all other handguns are kept unloaded in safes.
We don't have safes for the long guns, so they are kept unloaded and the magazines are locked up with ammunition, which is secured separately from the guns.
The exceptions to this rule are le due tempeste italiane, the CX4 Carbine and PX4 pistol. The carbine is kept unloaded and without a magazine by my desk. The pistol, if it's not being worn, is in a locked pistol box about two feet from my chair. In the lockbox with the pistol are six loaded magazines holding a total of 108 rounds of ammunition. The pistol is fully loaded with one in the chamber and it's a matter of a couple of seconds to have a 20-round magazine in the carbine with the first round chambered. Since the magazines can be interchanged from rifle to pistol, I figure that should handle anything I need to handle.