I would never compare an inexpensive 3d printer to a household device which is designed to last decades.

It is closer to a toaster or an oven than a water heater or HVAC.

Also...my last lease specifically said that I was not allowed to use the washer/dryer or oven when I was not home. So it is not a stretch to believe that the property owners will use those types of agreements to go against you when the insurance company denies your claim (this does and has happened with 3d printer fires).

All that being said...I have run 135hr prints unattended on my printers (not bambu). The risk may be low but it is not zero and it certainly higher than a water heater or HVAC.