Burning Money

When you light up a cigarette, do you think to yourself, “Man, I wish I had never started smoking”? You also probably hate it when someone else says something judgmental about your addiction. Well, I’m not here to judge you. Maybe your conscience gives you enough grief for your habit already. I’m just here to give you cold, hard facts about how being a smoker impacts your insurance.

The most obvious type of insurance affected is your health insurance. Smoking causes your rates to increase because your risk for disease and cancer increases. Your rates are roughly 20% more than a non-smokers rates. You already knew that. Never mind the health insurance increase.

Let’s focus instead on the less obvious way you have to spend more money on insurance.

Dental care is more expensive for smokers. The smoke damages your teeth and gums, putting you at an increased risk for gum and mouth disease. Smoking is also one of the main causes of tooth loss. All these dental bills can get expensive, so your insurance company will raise your rates to make up for the difference.

Cigarettes are the number one cause of house fires; in America, over 20,000 housefires a year are caused by cigarettes. Because of this fact, your homeowner’s insurance rates are increased.

The higher your claim risk is, the higher your rates are.

 By: KayLynn


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Search All Blogs

Generic filters

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about our blog writer?

Read more about KayLynn's background.

Click Here

Search All Blogs

Generic filters

Read More Blogs

The Ark and the Dove: Why We Celebrate Maryland Day on March 25th

Why March 25th? Discover the history of the Ark and the Dove and the “Free State” origins of Maryland Day.

Celebrating Maryland Day: A Guide to Regional Compliance and Mid-Atlantic Risks

Happy Maryland Day! A look at the unique insurance requirements and environmental risks for businesses operating in the Old Line State.

The March Deadline: Understanding Your Life Insurance “Conversion” Window

Is your term life insurance expiring soon? Learn how to “convert” your policy into permanent coverage this March without a new medical exam.

Eyes on the Road: A Pre-April Guide to Distracted Driving and Your Premiums

April is almost here. Learn how your phone habits are being monitored by modern insurance “Telematics” and how to save money by staying focused.

Empty House, Full Protection: Securing Your Home Before the Spring Break Getaway

Heading out for Spring Break? Make sure your home insurance stays active while you’re gone. Essential tips for protecting your “vacant” home this March.

The Equal Night: Ancient Traditions and Modern Facts about the Vernal Equinox

It’s officially Spring! Discover the science and the stories behind the Vernal Equinox happening this Friday.

Green Beer and Red Tape: Managing Liquor Liability for St. Patrick’s Day Events

Let the good times roll, but keep the liability in check. A guide for businesses hosting St. Patrick’s Day celebrations this Tuesday.

The Paperless Legacy: Managing Your Digital Assets and Insurance Logins this Spring

Can your family find your policy? Use this first week of Spring to organize your digital insurance documents and legacy passwords.

Don’t Rely on Luck: Navigating the High-Risk Roads of St. Patrick’s Day 2026

Luck won’t save your insurance rates. Stay safe this Tuesday with our guide to St. Patrick’s Day road safety and liability protection.

Spring has Sprung: A 5-Point Insurance Protection Checklist for the Vernal Equinox

Welcome the first day of Spring with a home protection plan. Discover the five key areas to inspect this week to keep your home insurance claims-free.