Emma is babysitting laura’s children. emma turns on the stove to make dinner, but a flame shoots out and burns emma’s hand. later, laura realizes she forgot to tell emma not to turn on the stove.

which type of insurance is needed?

Homeowners insurance, assuming Laura owns the house.

Explanation:

Homeowners insurance most often is what covers personal injury and liability claims if someone is injured in your house.

Just as a side note, if Laura is renting the home the landlord would need the homeowners insurance, not Laura.

i would prefer to go with the news article for nate, its recent and updated and stores a lot of information