Why We Ask These Questions
🏠Home Insurance: Insurance companies may factor in smoking habits when assessing home coverage. Smoking can increase the risk of fire-related incidents, which may affect your policy terms and premiums.
🚗 Auto Insurance: Auto insurers evaluate various elements to determine your risk level as a driver. Alcohol consumption—especially if it could lead to impaired driving—can signal a higher likelihood of accidents and influence your coverage.
🔍 Transparency Matters: Providing accurate and truthful information is crucial when applying for insurance. Misrepresenting lifestyle habits like smoking or drinking can lead to denied claims or even cancellation of your policy.