The invention relates to a coated granular fertilizer, preferably wherein granules are sulfate-based or phosphate-based. When sulfate based granules, as in ammonium sulfate, the coating substance is an inorganic salt of alkaline earth elements, preferably calcium, such that when applied to the surface of fertilizers, forms calcium sulfate, preferably a calcium sulfate-dihydrate, as a protective coating. For a reactive coating of a thiosulfate, free sulfuric acid present on the granule reacts to provide an elemental sulfur coating. For ammonium phosphate-based granules, coatings may comprise compounds of Ca++, Al+++ and/or Fe+++ salts thereby forming a calcium, an aluminum, an iron, or mixed cation phosphate protective coating. Thiosulfate is also effective with phosphate based granules which are manufactured with sulfuric acid. Granules coated according to the disclosure have advantageous properties as the coating can be applied in a specified and sparing manner due to its tendency to adhere to surfaces during the reaction. Coated fertilizer granules of the disclosure are also advantageous in that, with regard to the applied amount of coating, they provide increased resistance to dusting in long term warehouse storage, to moisture uptake and to oxidative heating. Coating components also add nutrients to plants that can provide nutrients over a longer period of time such as a slow-release characteristic.