Home Insurance Insider

Paul and Tom are good friends. Paul was surprised upon seeing that he has a bigger premium compared to Tom. Why did that happen? It’s simply because Paul is a smoker.

Usually, a household that has smokers in it will get higher premiums. It is because there is a big risk of fire accidents. In United states alone, over 20,000 homes are accidentally burnt because of irresponsible smoking. The homes with no smoking individuals tend to get better rates.

Are you planning to quit smoking? You can ask your insurance company for a review that you’ve decided to quit. If the insurer still rejects your appeal for a smaller premium, it is about time that you look for a more open-minded insurance company.