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Hazard insurance is the part of your overall homeowner's insurance policy that covers the structure of your home and other structures on your property, as well as any personal property within those structures. When a lender requires you to get hazard insurance for your new home purchase, they’re referring to a standard homeowner’s insurance policy.

Neglecting to clean your chimney can lead to serious safety hazards. A primary risk is the buildup of creosote, a highly flammable substance that can ignite and cause a dangerous chimney fire. This buildup can also create blockages in the flue, resulting in poor venting of smoke, soot, and toxic gases like carbon monoxide, which can then enter your home and create dangerously poor indoor air quality. Additionally, creosote is acidic and can damage the chimney's mortar and metal components over time, potentially allowing smoke to leak into your house. To prevent these issues, it is essential to schedule an annual chimney cleaning with a professional.

Yes, mineral spirits are flammable and may spontaneously combust at temperatures of 200 degrees F or more. Storing them in well-ventilated spaces and disposing of them the proper way are the best ways to prevent mineral spirits or anything contaminated with them, like towels and rags, from going up in smoke.

If your oven is new, then it’s likely that the oven smoking is due to it being a new unit. In this case, you don’t need to worry about the oven smoking. However, if your oven is old, you can’t identify any burnt food or grease that could be behind the smoking, or you have concerns about the heating element, then you should hire an oven technician to inspect your unit.