long guns unloaded and locked up.
handguns loaded but in GunVaults. 4 key and silent, doors are spring loaded.
I have a handful of gun vaults, they are roughly $100 each so cheap security IMO. bedroom, pantry, closet, at my shop and in my truck. I CCW pretty much everywhere but my office, and it is a given I'll hit at least one place a weekend I cant legally carry into. Well I'm not leaving my gun laying about under the seat, so it goes in the gun vault under the backseat, its in there when I'm at work as well. If I'm at the shop working which is quite a bit, I toss it, my wallet and my keys in there. And most important, I have a routine, when I get home I go straight to my main one, and my wallet, keys, wedding band, and sidearm all go in and I close it.
I fully believe in educating my kids how to act around guns, there is zero replacement for it.
But that doesnt mean **** in the court of law if something were to happen. They will arrest you for negligence and there are tons of case law precedent that lands your ass in prison. I cant fathom losing a child to a firearm that I left loaded, and then pour salt in the wound being sent to jail then on to prison.
Just my $0.02. Kids will be kids, they are curious.