There are essentially ten factors that affect your insurance premium, some of which you can control and some of which you cannot. The fourth of the ten factors is something that you can absolutely control and that is whether you smoke.
Smoking is one of the leading causes of fires in the home, whether it’s someone smoking in bed and dozing off or if they just threw a butt into the trash, and so a few insurers offer discounts if no one in the home smokes.
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