Ok where do I start, I would try to make this long story short by giving highlights and follow it up with my question.First time out of the parents house and rented with meHOA sent letters concerned that there might be illegal activities going on, confronted them, they denied any wrong doing.one of them was a smoker.

Smokers are not a protected class so you don't have to rent your units to smokers.

Note that premiums are based solely on age and whether or not you are a smoker.

Just as a smoker won't see questions about their smoking habits to be anything but a sign that smokers probably aren't allowed.

Just seems like absolute robbery to be so expensive for someone our age, non smoker, non drinker, not overweight, with a $10,000 deductible....Financially we are thinking about dropping coverage, and self insuring...

I knew she was a smoker and said she could smoke outside or in the garage.

Other amenities could include a hot tub, a large grill/smoker, a cold plunge, etc.

They were both smokers and had lots of cats (which as I learned later had fleas!) 

I don't use an accountant.I have an old friend, Jane Smoker, who works at Owens & Co. right downtown.

In the ad I clearly outlined the followingNo smokers of any kind at all, not even m%r8iju*na.