FAQ
Does quitting save money on fire insurance
Non-smokers may qualify for lower homeowners insurance premiums.
Quick Answer
Non-smokers may qualify for lower homeowners insurance premiums.
Detailed Explanation
Smoking increases fire risk significantly. Some insurers offer discounts for non-smokers.
Key Facts
- Smoking is leading cause of residential fire deaths
- Some insurers discount non-smoker homes by 5-10%
What the Research Says
Insurance industry documents smoking fire risk and pricing
Frequently Asked Questions
How much can I save
Potential 5-10% discount on homeowners insurance
Should I notify my insurer
Yes, after 12 months tobacco-free, ask about discounts
Sources & References
The information in this article is based on publicly available research and guidance from the following authoritative health organizations:
- CDC - Smoking & Tobacco Use
- WHO - Tobacco
- NIH - National Cancer Institute
- American Lung Association
- American Heart Association
- Truth Initiative
- Smokefree.gov
Sources accessed February 2026
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