STOP SMOKING The U.S. Fire Administration estimates there are about 7,600 smoking-related fires in the United States each year and notes that smoking is the leading cause of home fire deaths. Being a nonsmoker or stopping the habit means decreased premiums for homeowner's, health, and life insurance. RENOVATIONS Insurance premiums can rise depending on the age of your home, but you can help ward off an increase by investing in renovations. A new roof, foundation, plumbing, or