Also in our house my husband always makes sure that the toaster is pulled out from the wall into the middle of the counter when in use. Of course it is only plugged in when in use.Being the paranoid person that I am, I always make sure my crockpot has clear counter space around it - no towels, potholders, etc near it. It still makes me nervous leaving it on while I'm not home though so I tend to use it on weekends when I know I can be home while it's running.
For all of our carefulness we had a small fire this fall when the central air unit caught fire. Just goes to show you that sometimes there is nothing you can do.