I'm no dream expert, but as you talk pretty calmly about the dream is it possible this is your subconscious telling you that you are ready to go looking for your future wife? You want to get married at some point (hence the waiting room), but you have no idea who your bride is yet. The significance of the house might just be you wanting to prepare for moving in together after the wedding. But you go to the house alone and this could be because you are now alone in your life right now. The accident on the snow mobile may even be a clue to the time of year you may want to have the wedding rather than a premonition of an accident.