Gun safety protocol in the home (storage & where they point)

As the spouse of a gun owner (hand guns, shotgun, semi automatic rifle), I am concerned about safety in my home. It's just me and him, no kids! Ammunition is stored unlocked next to the guns under a living room daybed. With the handguns, he keeps one in the chamber and they are often pointed where I walk past. I NEVER want a loaded gun pointed at me no matter what the argument is for how many safeties are on it. My understanding is that should never happen, per gun safety protocol. No one should ever have a loaded/chambered gun pointing at them. Can someone normalize what a safe protocol is, and how I could approach this with him?