SHARP HOME

Wednesday, 24 June 2015

Home Insurance Coverage in Calgary and Cigarettes: What You Need to Know


It's really not that uncommon. In fact, you've probably heard stories like that in the news before. Stories of people falling asleep and dropping their cigarette on the floor, essentially burning the whole house down because of one simple mistake.

Of course it wouldn't happen to you now, would it?

Smokers are treated differently by insurance companies in Calgary. Since we're not here to tell you to stop smoking since (this is a personal decision that only can make), we'll be honest with you and tell you exactly how smoking impacts your home insurance coverage in Calgary. 

First of all, your insurance premiums are higher than that of non-smokers. Unfortunately there is nothing that you can do about it other than... well... stop smoking. Many insurance companies out there recognize that home fires are often caused by cigarettes and will therefore charge smokers more each month.

If you thought that only your life insurance policy was affected by your smoking habit, you should think twice before lighting up your next cigarette indoors.

Lastly, fires caused by cigarettes are covered under your home insurance policy in Calgary. This good news, however, comes with a certain downside -- the knowledge that a fire could have been avoided if you had not been smoking inside your home to begin with. We know it's cold outside, especially during Albertan winters. But is lighting up indoors really worth all the possible trouble that could ensue? We'll let you decide.

Here's what we recommend: Always smoke outside, and when it's not possible to do so always keep your cigarette within close distance of your body. 

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