Oh, you can keep loaded guns around the house, all right, if you don't have to worry about kids (or local laws), etc. The main thing that causes NDs is manipulation, that is, loading and unloading them.
My personal rule is that if a gun around the house is in a holster, it's loaded and ready to go. I carry a .38 Airweight in a belt-clip holster, so when I come in, I disarm by unclipping it and placing it in its usual beddie-bye place, holster and all. That way, there's an extra step involved (taking it out of the holster) if I have the rare need to manipulate it. Going out, I just clip it back on. I sometimes use it in an ankle rig if it's warm out, and the same story pertains. I unbuckle it and place the whole loaded gun and ankle rig in the aforementioned beddie-by place.
I keep a .357 all up and ready by my bed in a flap-top holster on the same theory.
Nevertheless, I follow the policy of "every effing gun is always effing loaded," even though I just "unloaded" it. I make it a rule that if I put it down for even a couple of seconds, I check it again when I pick it up.
In wintertime, I usually carry a .45 Auto in 1911 persuasion, but never "cocked and locked." I usually get crap for saying that, but you aren't going to change my mind, so shut up already. With that one, I just pull the mag when I get home and visually and manually check the chamber and magazine well. (I use an off-hand thumb roll technique to gently lower the hammer to half cock before it goes beddie-by.)
All this, bearing in mind that I don't have kids around to worry about. That changes things a bit if you do.
FYI, my ankle rig and my belt clip rig, same gun. Yes, it's loaded both times.
You may notice the button on the grip. That's a Crimson Trace laser sight "on" button.
You might notice that I use the ankle rig on my strong side leg, butt pointing forward. This will give many Instructors apoplexy and sometimes results in four-page threads about what an idiot I am.
You also may notice a bit of honorable fraying at the bottom of the belt holster.
I bought both these Uncle Mike's holsters just to try them out, and found they were eminently suitable for my purposes.