Poor communications on my behalf.

Point 1 (insurance) was 'stuff happens' no matter what we plan for. It's why there is insurance for less than common events, like a water leak.

Point 2 (don't leave documents near the water) was to mitigate 'stuff happens'; to your point: don't burn the house down if you can avoid it. Under normal circumstances, I don't think leaving a properly functioning oven on for several hours is an inherently bad thing, present or not. If one were delayed it could be on for far longer than planned and that might raise the chances of unexpected consequences. But a properly functioning oven shouldn't cause a fire.

I had a longer comment in mind, but the short version of it is: Odds are, you're in more danger driving to the airport.