Yeah, kids getting to a loaded weapon is a nightmare. Mine are older now 13/17 and shoot/hunt with me alot. In your situation, Id say put it "up" where they cant get to it, yet (may have to change around later when they big enough to climb, get chairs etc. Like top of closet, etc. Maybe dont keep one in chamber (only takes a second to rack one in). There are also small safes (like size of a book) that open with a personal thumb print.