Smoking may cost you more than your health
We’re talking about home insurance premiums.
Home insurance companies tend to give higher premiums to people who are habitual / heavy smokers, because of the effect smoking has on the home itself.
For one, cigarettes are always a fire hazard, and regardless of how much of a “responsible” smoker a person is, there is always the off chance that the house suffers a fire or burns down completely because of a cigarette that wasn’t put out properly. As they say, it all starts from something as small as a spark.
Smoking also damages interiors, and cause marks on the walls over time and ceiling if habitual smokers smoke in the house frequently. This causes the value f the property to go down, as well as incurring needed repairs or repainting when needed.