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When you are shopping for home insurance, let the providers you are considering know if your home will be a smoke-free home. Smoking is a big contributor to the damaging of walls and ceilings over time, increasing the likelihood that repairs will be necessary. Cigarettes that are not properly put out are also a major cause of house fires. If you show that no one living in your house will be smoking, you may be able to get a discount when you're buying homeowner's insurance. Insurers like the fact that there is less chance of smoke and fire damage in your home.
Not many people think of this when shopping around, but you should take whatever discounts you can get. Not every company will offer this type of discount, but you won't know if yours does unless you ask.