I'm going to jump on the bandwagon here and challenge the OP's original premise.
1) If you don't live in MA and don't have Children you are better off creating a great hiding place for the gun and just stowing it that way. In CT, before I had children, I had guns stashed under false air registers around my home. The registers didn't just lift out, but required a little special secret english before they could be removed. They were, fast, convenient and safe.
Remember, a burglar has 10 minutes in your house. A child has a lifetime.
2) If you have children or live in MA, get a safe or gun cabinet depending on your collection and financial ability. Nobody who has been in the job market for more than 3 months should use gun locks. They are ridiculous. They do little to enhance safety, and often don't make you legal like you think. (I can't tell you how many times I've seen a MA person put a lock on their gun for transport, thinking that made it legal)
One other thing. By trying to be responsible, you are actually increasing the chance of having a negligent discharge. Loading and unloading a gun 3 times a day is a prescription for disaster. The proper way to remove a gun from your body is to remove the entire holster with the gun still inside of it. Then you aren't handling the gun. Then you put the entire holster and gun into your hiding place or safe. Done. No gun handling and the gun is safe.
Don
p.s. Again, if you are in MA, put your gun in a safe. Hiding a gun is more effective than a cheap safe or a poorly hidden locked gun, but it doesn't cover your a55 in MA. Get creative. I know a person who has a dummy safe set up as a honeypot. The assumption is that the burglar will spend his time on the safe, when 5 ft away is what appears to be a hot water heater completely plumbed into his home. There are $60K worth of guns inside the hot water heater with a hidden door. Sure a burglar who is a HVAC guy would know that his wall hanging gas boiler has a built in instant hot water heater, but for anyone else, these guns are 100% secure. They can't steal what they can't find.
Re non-theft losses, remember that most homeowners insurance policies limit you to something like $2000 for firearms for THEFT ONLY. If you look closely at your policy, other losses fall under the general limits of the entire policy. Most policies have far more contents coverage than you actually could use, so in most cases, your guns are fully insured against fire, flood, etc, based on the contents limits of the policy.