Why Are We Asking These Questions?
Home Insurance:
Homeowners insurance providers may consider smoking habits when evaluating risk. Individuals who smoke are typically at a higher risk for home-related fire hazards.
Auto Insurance:
Auto insurers assess a range of factors to determine driver risk profiles. Alcohol use - especially if it could lead to a DUI - is considered a potential indicator of elevated accident risk.
Transparency and Honesty:
Accurate and honest responses are essential when working with your insurance provider. Misrepresenting smoking or drinking habits could result in claim denial or policy cancellation.