Because I'm now the proud owner of a fire extinguisher.
I also am the proud owner of a renter's insurance policy. A lot harder to photograph (I can always photograph the statement when it comes in... yet another thing to pay for, dammit) but equally as helpful in giving me peace of mind.
And, for all you fire safety buffs out there, I should point out I'm lucky I didn't get electrocuted by throwing water on what could have been an electrical fire. My Mom warned me to get a fire extinguisher, and I should have listened. Seriously, folks, that fire extinguisher cost me $22. Be sure you have one around the house, even if you don't live in an apparent deathtrap.