Depends on the safe. I have four safes (one of long guns and three small ones for handguns), and the three of them contain unloaded guns. I do, however, have one small safe which has my three most often carried handguns in it (all revolvers) and those three stay loaded mainly for convenience (the ammo is kept in a different room than the handguns are).
Smith, and Wesson, and Me. -H. Callahan
Well waddaya know, one buwwet weft! -E. Fudd
All bad precedents begin as justifiable measures. -J. Caesar