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The Conscience of Congress Fenwick did not spend large amounts on her pipes, or on anything in her life

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Ken Patel, a newsagent from Leicester and spokesman for the Tobacco Retailers' Alliance, said: "What we have seen in previous years is that when the government increases tobacco taxes, smokers turn to the black market, where they can buy products at half the price."

You can also get policy add-ons that add additional protection for your personal property (such as expensive jewelry collections or high-end electronics) or even HVAC equipment, all of which may be damaged in a fire and not sufficiently covered by your standard policy