'Umar b. Muhammad b. Zaid reported that he heard his father narrating from Ibn 'Umar that Allah's Messenger ﷺ had said. If bad luck is a fact, then it is in the horse, the woman and the house.
The Prophet ﷺ was also reminding us of the importance of being mindful of our actions and taking responsibility for them so that we do not end up bringing harm upon ourselves due to carelessness or recklessness on our part. We should always strive to make sure we are doing what is right according to Islamic teachings so that we can avoid any potential misfortune coming our way due to wrong decisions made by ourselves or others around us who might influence us negatively without even realizing it themselves at times!
Overall, this hadith teaches Muslims about the concept of al-qadar which states that everything happens according to Allah’s will but at the same time encourages people to take precautionary measures against potential harms coming their way by being mindful of their actions especially when it comes to horses, women and houses which are known sources of potential misfortune if not handled properly!