The rate of cigarette smoking in the U.S. had been on a downward spiral over the last few years, leading to an all-time low of 13.7% in the year 2018. However, during the same period, the use of e-cigarettes has increased exponentially. Smoking e-cigarettes, commonly referred to as vaping, has witnessed a significant increase among school students since 2013.

According to the Centers for Disease Control and Prevention (CDC), smoking leads to the death of over 480,000 Americans every year, and more than 16 million suffer from diseases caused due to smoking. Additionally, smoking also increases home insurance rates by as much as $2,000 due to the increased risk of accidental fires. vHomeInsurance’s report analyzes the prevalence of cigarette and e-cigarette smoking in schools. Moreover, conducted the research to highlight the cost of smoking on home insurance rates.


The year 2018 witnessed more than 3.6 million U.S. youth consuming e-cigarettes, with 1 in 5 high school students and 1 in 20 middle school students using e-cigarettes. This is a significant increase of 78% from 11.7% in 2017 to 20.8% in t 2018 among high school students. While most e-cigarettes contain nicotine, they can be used to deliver other drugs as well. Moreover, the use of cigarettes by school students started declining, with the rise of e-cigarettes. The year 2013 witnessed the biggest transition from cigarette smoking to vaping. The increase in usage of e-cigarettes by young people has been largely attributed to the availability of different flavors. They also come in different sizes and designs, the most notable being the latest USB flash drive-style e-cigarettes, which have garnered the attention of many school students.

Apart from school kids, the rate of vaping has also seen a slight increase among young adults from 2.4% in 2012 to 7.6% in 2018. The use of e-cigarettes decreases with age. Also, the percentage of people who vape, above the age of 45, is significantly lower than young adults and school students. While many sources claim that the transition to e-cigarettes will help in reducing the risk associated with smoking, research suggests otherwise. According to a 2018 report published by the National Academy of Sciences, Engineering, and Medicine, the use of e-cigarettes can act as a catalyst in driving people to cigarette smoking in the future.

Besides, Home insurers do not provide any exemptions for vaping. E-cigarettes pose a greater threat in causing household fires, given that there have been incidents reported of explosions caused by the batteries in the device. Owing to this, home insurance companies tend to increase the home insurance rates of households that have e-cigarette users.