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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.

Yes, a seller is legally required to disclose any known fire damage when selling a house, including damages that were repaired. That includes damages to structural components and all major systems, as well as water damage, chemical damage, and smoke damage related to the fire. Sellers use a property disclosure statement, which is regulated by each state individually, to disclose fire damage.

Call 911 immediately. If you have a fire extinguisher or fire blanket near the laundry room, you can attempt to extinguish the fire, but don’t open or touch the dryer. If you can’t put the fire out, evacuate yourself, your family, and your pets from the house, closing the laundry room door behind you. Turn off the electricity to your home via the outside fuse box, then wait for the fire department. After a dryer fire, have your home’s electrical system inspected to make sure there isn’t any damage.

As with any smoking appliance, a smoking oven is a concerning fire risk. It also negatively impacts your indoor air quality, which can put vulnerable people at risk of breathing problems. A dirty oven can catch fire if you don’t stay on top of regular maintenance, so remember to check your oven for signs that it’s time for a cleaning and remove buildup every three months to stay on the safe side.