Andrew Leaves the Washer,dryer,and Dishwasher Running at Home When He

Andrew leaves the washer,dryer,and dishwasher running at home when he leaves for his music class.Being aware that the fire insurance he recently bought for his house will cover any damage caused by fire,he considers himself risk free.Which of the following problems is described in this example?

A) the common resource problem
B) the unbounded rationality problem
C) the adverse selection problem
D) the winner's curse problem
E) the moral hazard problem