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A rifle with a round in the chamber and on safety isn't a good idea with kids around.
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I don't think it's good idea even if kids aren't around. Most longarms don't have the safety features that are mostly standard on semi-auto pistols these days and I wouldn't trust them to be drop safe. If anything causes the hammer to slip in an AR, the rifle will discharge if there's a round in the chamber.
For this reason I keep home defense longarms stored safety off with the hammer down on an empty chamber and a loaded magazine. That way they can be readied by simply cycling the action. If children are present I'd recommend a method of storage that prevents cycling the action until the gun is unlocked.