Does Smoking Affect House Insurance Rates?
If you are a smoker you may be wondering why house insurance representatives ask in their forms whether or not the occupants of the household smoke. The reason for this is because it has a noticeable effect on your house insurance rates. The majority of the homeowners insurance companies see smoking as an important factor of for two reasons. The first of these is the increased risk of accidental fire as well as smoke damage to the house’s interior. This consideration may raise your insurance rates by as much as 10% depending on the company. The second reason that is adopted by fewer insurance companies is a psychological one. They believe that smokers are prone to more high risk behavior due to their ignoring the medical complications that may arise from smoking. As a result these companies may further increase the insurance rate by up to 5%. And so as a consumer of house insurance is important that you get the best rate possible to complement your smoking lifestyle. The best way to do this is through online insurance quotes given on these companies official websites. My personal recommendation would be to consult with what is known by some as the best homeowners insurance companies available: State Farm. Check their rates and compare them with your current ones to see if you can save yourself hundreds of dollars this year.
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