Insurance companies constantly compile statistics concerning risk. Each category of risk is given an importance as how this factor will contribute to a problem that will involve them in paying a claim. Since they are in the business to pay out the least claims possible, this makes sense. If they find you engage in activities which will increase the chances of making a claim you will pay higher premiums. Conversely, safe practices concerning your home will result in you being charged a lesser amount for your homeowners insurance. A fire alarm system and fire extinguishers present in your home will lower your premiums. As will a fire hydrant on your block or being close to a fire station.

Over 20,000 home fires per year are caused by smoking. You could lose your life, and thousands of dollars worth of damages, which the insurance company is responsible for. In which could raise smokers homeowners insurance premiums to some extent. Therefore, it is common sense that the insurer would prefer you and your family not to smoke. Insurance companies offer deductions in premiums for health insurance and life insurance for those who do not smoke, it makes sense to lower the premiums for a non-smoking household.

It is in the interest of both parties for a variety of reasons, not the least of which is health related, if the members of the household do not smoke. Visitors should also be encouraged to smoke outdoors. In addition smoking can affect neighboring homes if they are close. A fire can spread quickly and jump across open areas quickly. Imagine the extra premiums the people in California pay to protect their homes from the constant wildfires breaking out. A good percentage of these wildfires are caused by careless smoker not disposing of their cigarettes properly.