Does smoking affect house insurance?

Does smoking affect house insurance?

Smokers. Being a smoker won’t invalidate your home insurance, but if you lie about you or anyone you live with smoking, your insurer could refuse a claim that started with a lit cigarette.

Does smoking affect home insurance?

As a smoker, you are a higher risk to your home insurance company. Smokers are more likely to cause a fire started by a cigarette. You are also at a higher risk of having health complications which could put you and your family at risk. In short, if you do not smoke, you are less of a risk to the insurance company. Nov 4, 2016

What smoking does to your home?

Aside from the odors and stains, smoking consequences can include buildup on your home’s air filters, which can harm your air conditioning unit to the point of needing to replace it if the filters are not properly maintained. Smoking inside isn’t just bad for your health—it’s bad for your home’s health. Jun 20, 2016