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Home insurance rates typically increase by double digits after a claim. Across the country, a single claim can raise your premium anywhere from 18% to 28%, depending on your state and the type of claim. A second claim within a few years leads to even sharper jumps — up to 49% higher — with the biggest increases tied to fire, theft and water damage.

In California, for example, a first fire claim increases the average premium from $1,706 to $2,250 — about 34% more, or an extra $544 a year. In Florida, that same first fire claim bumps the average rate from $7,424 to $8,138, a 9% jump that adds $715 a year. New York homeowners see a similar pattern — a first fire claim raises the average premium from $1,655 to $2,178, an 35% increase, or $522 more per year.

Reinforcing your home before a storm is the best way to keep your rate down, since avoiding damage means you never have to file a claim in the first place. When damage does happen, it’s worth being strategic. A claim can raise your premium for years, so if the repair costs are close to your deductible, paying out of pocket is often cheaper than the rate hike that follows. Save your claims for the major losses that make them worth it.

Here’s how to keep your homeowners insurance rate down

  • Weigh the repair against your deductible. If the damage is minor and close to what you’d pay out of pocket, covering it yourself often costs less than the rate increase a claim can trigger.
  • Protect your claims-free discount. Filing can cost you a discount worth hundreds a year, so factor that loss into the decision.
  • Set a deductible you can afford. A higher deductible lowers your premium, but only choose one you could comfortably cover if you needed to.
  • File for the big stuff. Save claims for major losses and any situation where someone’s injured or you could be sued, since that’s exactly what your policy is for.
  • Prevent what you can. Keeping up with maintenance and your roof’s condition helps you avoid claims, and the surcharges that follow, in the first place.

Will my homeowners insurance go up if I file a claim?

Filing a homeowners insurance claim will usually increase your premium. How much it goes up depends on three things:

  • The type of claim. Fire, theft, and water damage tend to trigger the steepest increases.
  • How much your insurer paid out. Larger payouts generally mean larger rate hikes.
  • How many claims you’ve filed recently. Repeat claims within a five-year window are penalized most.

That third factor carries the most weight. While a single claim might only nudge your rate, repeat claims can raise it sharply:

  • A second theft claim can raise your rate by about 42%
  • A second fire claim can raise your rate by about 49%
  • Even a single water-damage claim typically adds about 25%

Your claims history also follows you from home to home. Insurers track it through CLUE (the Comprehensive Loss and Underwriting Exchange), a database any insurer can access, so a pattern of frequent claims can raise your premium no matter where you’ve lived.

“Because all claims get reported to the CLUE database, the safest thing is to not file small claims and pay for them out of pocket to be sure it won’t affect you,” says Amy Bach, executive director of United Policyholders.

The more claims on your record, the more you’ll pay, and the less appealing you look to an insurer.

Sometimes it pays not to file a claim

If the repair cost is close to your deductible, filing may cost you more than it saves. A claim can raise your premium for years and cost you your claims-free discount, so for minor damage, paying out of pocket is often the cheaper move.

How much does a home insurance claim increase your premium?

Home insurance rates rise 18% to 28% on average after a first claim, and jump even higher, up to 49%, after a second claim within a five-year window. Fire claims see the steepest increases at both stages, while weather-related claims tend to have the smallest impact.

Insurers view multiple claims within that five-year window as a sign of higher long-term risk, which is why second claims trigger such a steep jump compared to the first. If the damage is minor, it’s often worth comparing the repair cost to your deductible before filing. Avoiding small, frequent claims can help keep your premiums stable and prevent surcharges that stick with you for years.

Here’s how much home insurance rates typically increase after the first and second claim, broken down by claim type.

Claim typeAfter first claimAfter second claim
Fire Claim28%49%
Liability Claim24%44%
Medical Claim19%31%
Theft Claim25%42%
Water Claim25%46%
Weather Claim18%29%
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How much do home insurance rates increase in your state after a claim?

Where you live has a big impact on how much a claim raises your rate. In Hawaii, rate increases after a claim are relatively mild, ranging from 7% to 12% depending on claim type. States like California, Maryland, and Idaho are on the opposite end, with some claims triggering increases up to 100%.

Home insurance rates can vary significantly from one state to another, and even from one city to the next. The table below shows how filing different types of claims can increase home insurance rates in your state, on average.

Home insurance rates can vary significantly from one state to another, and even from one city to the next. The table below shows how filing different types of claims can increase home insurance rates in your state, on average.

StateType of claimPremium before claimPremium after claimDollar difference Percent difference
Alaska1 Fire Claim$1,410$1,835$42526%
Alaska1 Liability Claim$1,410$1,896$48630%
Alaska1 Medical Claim$1,278$1,584$30623%
Alaska1 Theft Claim$1,410$1,848$43827%
Alaska1 Water Claim$1,410$1,793$38325%
Alaska1 Weather Claim$1,417$1,764$34822%
Alaska2 Fire Claims$1,410$2,166$75745%
Alaska2 Liability Claims$1,410$2,505$1,09671%
Alaska2 Medical Claims$1,278$1,670$39131%
Alaska2 Theft Claims$1,410$2,208$79948%
Alaska2 Water Claims$1,410$2,164$75448%
Alaska2 Weather Claims$1,417$1,906$49029%
Alabama1 Fire Claim$4,781$5,983$1,20227%
Alabama1 Liability Claim$4,781$5,847$1,06622%
Alabama1 Medical Claim$5,924$6,714$79013%
Alabama1 Theft Claim$4,781$5,757$97622%
Alabama1 Water Claim$4,781$5,770$98922%
Alabama1 Weather Claim$5,408$5,957$54912%
Alabama2 Fire Claims$4,781$7,168$2,38759%
Alabama2 Liability Claims$4,781$6,674$1,89343%
Alabama2 Medical Claims$5,924$6,606$68213%
Alabama2 Theft Claims$4,781$6,502$1,72043%
Alabama2 Water Claims$4,781$6,510$1,72942%
Alabama2 Weather Claims$5,408$5,957$54912%
Arkansas1 Fire Claim$4,768$6,113$1,34529%
Arkansas1 Liability Claim$4,768$5,947$1,17924%
Arkansas1 Medical Claim$5,519$6,120$6019%
Arkansas1 Theft Claim$4,768$5,879$1,11124%
Arkansas1 Water Claim$4,768$5,886$1,11823%
Arkansas1 Weather Claim$4,902$5,444$54210%
Arkansas2 Fire Claims$4,768$7,233$2,46558%
Arkansas2 Liability Claims$4,768$6,793$2,02546%
Arkansas2 Medical Claims$5,519$6,184$66513%
Arkansas2 Theft Claims$4,768$6,674$1,90646%
Arkansas2 Water Claims$4,768$6,594$1,82643%
Arkansas2 Weather Claims$4,902$5,455$55312%
Arizona1 Fire Claim$3,085$3,917$83227%
Arizona1 Liability Claim$3,085$3,827$74223%
Arizona1 Medical Claim$3,555$4,067$51218%
Arizona1 Theft Claim$3,085$3,855$77025%
Arizona1 Water Claim$3,085$3,905$82026%
Arizona1 Weather Claim$3,085$3,768$68321%
Arizona2 Fire Claims$3,085$4,230$1,14537%
Arizona2 Liability Claims$3,085$4,086$1,00031%
Arizona2 Medical Claims$3,555$4,171$61624%
Arizona2 Theft Claims$3,085$4,072$98734%
Arizona2 Water Claims$3,085$4,140$1,05534%
Arizona2 Weather Claims$3,085$3,928$84327%
California1 Fire Claim$1,706$2,250$54434%
California1 Liability Claim$1,703$2,194$49130%
California1 Medical Claim$1,883$2,110$22713%
California1 Theft Claim$1,706$2,257$55134%
California1 Water Claim$1,706$2,264$55832%
California1 Weather Claim$1,760$2,231$47225%
California2 Fire Claims$1,706$2,875$1,17073%
California2 Liability Claims$1,703$2,840$1,13769%
California2 Medical Claims$1,883$2,357$47427%
California2 Theft Claims$1,706$2,933$1,22774%
California2 Water Claims$1,706$2,982$1,27674%
California2 Weather Claims$1,760$2,990$1,23061%
Colorado1 Fire Claim$4,814$5,524$71012%
Colorado1 Liability Claim$4,814$5,458$64410%
Colorado1 Medical Claim$4,596$5,195$59913%
Colorado1 Theft Claim$4,814$5,542$72811%
Colorado1 Water Claim$4,814$5,616$80213%
Colorado1 Weather Claim$5,147$6,097$95014%
Colorado2 Fire Claims$4,814$5,911$1,09618%
Colorado2 Liability Claims$4,814$6,046$1,23121%
Colorado2 Medical Claims$4,596$5,439$84218%
Colorado2 Theft Claims$4,814$5,856$1,04217%
Colorado2 Water Claims$4,814$5,929$1,11519%
Colorado2 Weather Claims$5,147$6,431$1,28419%
Connecticut1 Fire Claim$2,271$2,681$41019%
Connecticut1 Liability Claim$2,271$2,725$45422%
Connecticut1 Medical Claim$2,703$3,155$45219%
Connecticut1 Theft Claim$2,271$2,653$38219%
Connecticut1 Water Claim$2,271$2,763$49122%
Connecticut1 Weather Claim$2,283$2,564$28112%
Connecticut2 Fire Claims$2,271$2,962$69131%
Connecticut2 Liability Claims$2,271$3,199$92852%
Connecticut2 Medical Claims$2,703$3,401$69930%
Connecticut2 Theft Claims$2,271$2,854$58328%
Connecticut2 Water Claims$2,271$3,191$92039%
Connecticut2 Weather Claims$2,283$2,740$45619%
Washington, D.C.1 Fire Claim$1,610$1,974$36421%
Washington, D.C.1 Liability Claim$1,610$1,975$36521%
Washington, D.C.1 Medical Claim$1,747$2,180$43325%
Washington, D.C.1 Theft Claim$1,610$1,955$34519%
Washington, D.C.1 Water Claim$1,610$2,010$40023%
Washington, D.C.1 Weather Claim$1,610$1,965$35522%
Washington, D.C.2 Fire Claims$1,610$2,481$87151%
Washington, D.C.2 Liability Claims$1,610$2,572$96259%
Washington, D.C.2 Medical Claims$1,747$2,597$85047%
Washington, D.C.2 Theft Claims$1,610$2,418$80846%
Washington, D.C.2 Water Claims$1,610$2,471$86151%
Washington, D.C.2 Weather Claims$1,610$2,254$64437%
Delaware1 Fire Claim$1,443$1,762$31922%
Delaware1 Liability Claim$1,443$1,726$28320%
Delaware1 Medical Claim$1,428$1,715$28720%
Delaware1 Theft Claim$1,443$1,736$29320%
Delaware1 Water Claim$1,443$1,689$24617%
Delaware1 Weather Claim$1,443$1,626$18313%
Delaware2 Fire Claims$1,443$2,339$89658%
Delaware2 Liability Claims$1,443$2,123$68045%
Delaware2 Medical Claims$1,428$1,940$51236%
Delaware2 Theft Claims$1,443$2,096$65345%
Delaware2 Water Claims$1,443$2,271$82852%
Delaware2 Weather Claims$1,443$1,846$40228%
Florida1 Fire Claim$7,424$8,138$7159%
Florida1 Liability Claim$7,424$8,061$6378%
Florida1 Medical Claim$7,424$7,767$3445%
Florida1 Theft Claim$7,424$8,073$6509%
Florida1 Water Claim$7,424$8,061$6378%
Florida1 Weather Claim$7,424$7,751$3284%
Florida2 Fire Claims$7,424$8,650$1,22616%
Florida2 Liability Claims$7,424$8,392$96812%
Florida2 Medical Claims$7,424$7,920$4976%
Florida2 Theft Claims$7,424$8,521$1,09814%
Florida2 Water Claims$7,424$8,392$96812%
Florida2 Weather Claims$7,424$7,875$4516%
Georgia1 Fire Claim$2,931$3,952$1,02138%
Georgia1 Liability Claim$2,492$3,008$51620%
Georgia1 Medical Claim$2,883$3,566$68324%
Georgia1 Theft Claim$2,492$2,985$49318%
Georgia1 Water Claim$2,492$3,082$59024%
Georgia1 Weather Claim$2,201$2,471$27113%
Georgia2 Fire Claims$2,492$3,641$1,14846%
Georgia2 Liability Claims$2,492$3,532$1,03944%
Georgia2 Medical Claims$2,883$3,738$85530%
Georgia2 Theft Claims$2,492$3,417$92436%
Georgia2 Water Claims$2,492$3,548$1,05645%
Georgia2 Weather Claims$2,246$2,726$48021%
Hawaii1 Fire Claim$1,750$1,888$1388%
Hawaii1 Liability Claim$1,750$1,888$1388%
Hawaii1 Medical Claim$2,372$2,535$1637%
Hawaii1 Theft Claim$1,750$1,888$1388%
Hawaii1 Water Claim$1,750$1,888$1388%
Hawaii1 Weather Claim$1,974$2,114$1407%
Hawaii2 Fire Claims$1,750$1,941$19112%
Hawaii2 Liability Claims$1,750$1,941$19112%
Hawaii2 Medical Claims$2,372$2,594$2229%
Hawaii2 Theft Claims$1,750$1,941$19112%
Hawaii2 Water Claims$1,750$1,941$19112%
Hawaii2 Weather Claims$1,974$2,167$19310%
Iowa1 Fire Claim$3,352$4,289$93727%
Iowa1 Liability Claim$3,352$4,160$80823%
Iowa1 Medical Claim$2,984$3,452$46814%
Iowa1 Theft Claim$3,352$4,230$87825%
Iowa1 Water Claim$3,352$4,225$87325%
Iowa1 Weather Claim$3,271$4,049$77821%
Iowa2 Fire Claims$3,352$4,929$1,57746%
Iowa2 Liability Claims$3,352$4,711$1,35939%
Iowa2 Medical Claims$2,984$3,711$72821%
Iowa2 Theft Claims$3,352$4,775$1,42341%
Iowa2 Water Claims$3,352$4,750$1,39840%
Iowa2 Weather Claims$3,271$4,394$1,12331%
Idaho1 Fire Claim$2,148$2,885$73634%
Idaho1 Liability Claim$2,148$2,802$65330%
Idaho1 Medical Claim$1,842$2,148$30618%
Idaho1 Theft Claim$2,148$2,834$68531%
Idaho1 Water Claim$2,148$2,920$77135%
Idaho1 Weather Claim$2,148$2,611$46222%
Idaho2 Fire Claims$2,148$3,362$1,21455%
Idaho2 Liability Claims$2,148$3,229$1,08149%
Idaho2 Medical Claims$1,842$2,324$48227%
Idaho2 Theft Claims$2,148$3,256$1,10850%
Idaho2 Water Claims$2,148$3,412$1,26457%
Idaho2 Weather Claims$2,148$2,704$55626%
Illinois1 Fire Claim$4,007$5,048$1,04128%
Illinois1 Liability Claim$4,007$4,850$84322%
Illinois1 Medical Claim$5,691$6,373$68112%
Illinois1 Theft Claim$4,007$4,887$88023%
Illinois1 Water Claim$4,007$4,885$87822%
Illinois1 Weather Claim$4,058$4,467$40911%
Illinois2 Fire Claims$4,007$5,513$1,50738%
Illinois2 Liability Claims$4,007$5,256$1,24932%
Illinois2 Medical Claims$5,691$6,648$95621%
Illinois2 Theft Claims$4,007$5,159$1,15231%
Illinois2 Water Claims$4,007$5,139$1,13230%
Illinois2 Weather Claims$4,058$4,607$54915%
Indiana1 Fire Claim$3,431$4,092$66120%
Indiana1 Liability Claim$3,431$4,063$63319%
Indiana1 Medical Claim$3,882$4,286$40413%
Indiana1 Theft Claim$3,431$4,037$60618%
Indiana1 Water Claim$3,431$4,114$68321%
Indiana1 Weather Claim$3,393$3,827$43415%
Indiana2 Fire Claims$3,431$4,399$96933%
Indiana2 Liability Claims$3,431$4,482$1,05136%
Indiana2 Medical Claims$3,882$4,378$49620%
Indiana2 Theft Claims$3,431$4,201$77027%
Indiana2 Water Claims$3,431$4,514$1,08337%
Indiana2 Weather Claims$3,393$3,896$50419%
Kansas1 Fire Claim$6,377$8,143$1,76625%
Kansas1 Liability Claim$6,377$8,031$1,65523%
Kansas1 Medical Claim$5,420$6,497$1,07718%
Kansas1 Theft Claim$6,377$7,992$1,61622%
Kansas1 Water Claim$6,377$7,962$1,58622%
Kansas1 Weather Claim$5,529$6,391$86215%
Kansas2 Fire Claims$6,377$9,667$3,29048%
Kansas2 Liability Claims$6,377$9,162$2,78539%
Kansas2 Medical Claims$5,200$6,661$1,46224%
Kansas2 Theft Claims$6,377$9,315$2,93841%
Kansas2 Water Claims$6,377$9,151$2,77438%
Kansas2 Weather Claims$5,529$6,861$1,33221%
Kentucky1 Fire Claim$3,731$4,216$48513%
Kentucky1 Liability Claim$3,731$4,104$37310%
Kentucky1 Medical Claim$3,205$3,365$1606%
Kentucky1 Theft Claim$3,731$4,192$46112%
Kentucky1 Water Claim$3,731$4,161$43112%
Kentucky1 Weather Claim$3,109$3,551$44215%
Kentucky2 Fire Claims$3,731$4,718$98726%
Kentucky2 Liability Claims$3,731$4,527$79721%
Kentucky2 Medical Claims$3,205$3,369$1656%
Kentucky2 Theft Claims$3,731$4,645$91424%
Kentucky2 Water Claims$3,731$4,486$75522%
Kentucky2 Weather Claims$3,109$3,838$72925%
Louisiana1 Fire Claim$4,618$5,238$62115%
Louisiana1 Liability Claim$4,618$5,169$55112%
Louisiana1 Medical Claim$4,949$5,583$63414%
Louisiana1 Theft Claim$4,618$5,167$54912%
Louisiana1 Water Claim$4,618$5,153$53611%
Louisiana1 Weather Claim$5,287$5,810$5229%
Louisiana2 Fire Claims$4,618$5,466$84822%
Louisiana2 Liability Claims$4,618$5,448$83023%
Louisiana2 Medical Claims$4,949$5,906$95726%
Louisiana2 Theft Claims$4,618$5,447$82922%
Louisiana2 Water Claims$4,618$5,232$61414%
Louisiana2 Weather Claims$5,287$5,810$5229%
Massachusetts1 Fire Claim$2,428$2,964$53623%
Massachusetts1 Liability Claim$2,428$2,957$52924%
Massachusetts1 Medical Claim$3,071$3,466$39416%
Massachusetts1 Theft Claim$2,428$2,867$43920%
Massachusetts1 Water Claim$2,428$2,913$48421%
Massachusetts1 Weather Claim$2,428$2,866$43721%
Massachusetts2 Fire Claims$2,428$3,352$92341%
Massachusetts2 Liability Claims$2,428$3,174$74535%
Massachusetts2 Medical Claims$3,071$3,451$38017%
Massachusetts2 Theft Claims$2,428$3,034$60631%
Massachusetts2 Water Claims$2,428$3,082$65432%
Massachusetts2 Weather Claims$2,428$2,985$55630%
Maryland1 Fire Claim$2,770$4,023$1,25242%
Maryland1 Liability Claim$2,770$3,881$1,11136%
Maryland1 Medical Claim$3,654$4,423$76918%
Maryland1 Theft Claim$2,770$3,677$90635%
Maryland1 Water Claim$2,770$3,798$1,02737%
Maryland1 Weather Claim$3,323$4,153$83023%
Maryland2 Fire Claims$2,770$5,079$2,30984%
Maryland2 Liability Claims$2,770$4,813$2,04371%
Maryland2 Medical Claims$3,654$5,793$2,14046%
Maryland2 Theft Claims$2,770$4,804$2,03470%
Maryland2 Water Claims$2,770$5,342$2,572100%
Maryland2 Weather Claims$3,323$4,489$1,16628%
Maine1 Fire Claim$1,496$2,061$56547%
Maine1 Liability Claim$1,496$2,034$53847%
Maine1 Medical Claim$1,651$2,256$60449%
Maine1 Theft Claim$1,496$2,049$55347%
Maine1 Water Claim$1,478$2,001$52342%
Maine1 Weather Claim$1,578$2,033$45540%
Maine2 Fire Claims$1,496$2,551$1,05678%
Maine2 Liability Claims$1,496$2,467$97178%
Maine2 Medical Claims$1,651$2,733$1,08280%
Maine2 Theft Claims$1,496$2,506$1,01079%
Maine2 Water Claims$1,478$2,431$95368%
Maine2 Weather Claims$1,578$2,276$69856%
Michigan1 Fire Claim$3,857$5,157$1,30038%
Michigan1 Liability Claim$4,104$5,449$1,34536%
Michigan1 Medical Claim$2,979$3,696$71725%
Michigan1 Theft Claim$3,857$5,090$1,23334%
Michigan1 Water Claim$3,857$5,103$1,24634%
Michigan1 Weather Claim$2,739$3,243$50417%
Michigan2 Fire Claims$3,857$6,209$2,35271%
Michigan2 Liability Claims$4,104$6,386$2,28259%
Michigan2 Medical Claims$2,979$4,219$1,24047%
Michigan2 Theft Claims$3,857$6,030$2,17360%
Michigan2 Water Claims$3,857$5,984$2,12758%
Michigan2 Weather Claims$2,739$3,508$76927%
Minnesota1 Fire Claim$3,234$4,369$1,13532%
Minnesota1 Liability Claim$3,234$4,228$99427%
Minnesota1 Medical Claim$2,061$2,288$22711%
Minnesota1 Theft Claim$3,234$4,286$1,05229%
Minnesota1 Water Claim$3,163$4,264$1,10130%
Minnesota1 Weather Claim$2,571$2,962$39114%
Minnesota2 Fire Claims$3,234$5,364$2,13059%
Minnesota2 Liability Claims$3,234$5,158$1,92452%
Minnesota2 Medical Claims$2,061$2,669$60830%
Minnesota2 Theft Claims$3,234$5,256$2,02255%
Minnesota2 Water Claims$3,163$5,219$2,05654%
Minnesota2 Weather Claims$2,571$3,457$88733%
Missouri1 Fire Claim$4,462$5,920$1,45830%
Missouri1 Liability Claim$4,462$5,847$1,38527%
Missouri1 Medical Claim$3,926$4,604$67816%
Missouri1 Theft Claim$4,462$5,841$1,37828%
Missouri1 Water Claim$4,462$5,812$1,35027%
Missouri1 Weather Claim$4,533$5,614$1,08118%
Missouri2 Fire Claims$4,462$6,982$2,52052%
Missouri2 Liability Claims$4,462$6,728$2,26546%
Missouri2 Medical Claims$3,926$4,981$1,05527%
Missouri2 Theft Claims$4,462$6,759$2,29747%
Missouri2 Water Claims$4,462$6,698$2,23544%
Missouri2 Weather Claims$4,462$5,953$1,49124%
Mississippi1 Fire Claim$3,962$4,689$72722%
Mississippi1 Liability Claim$3,962$4,642$68120%
Mississippi1 Medical Claim$6,190$6,843$65312%
Mississippi1 Theft Claim$3,962$4,516$55517%
Mississippi1 Water Claim$3,962$4,653$69221%
Mississippi1 Weather Claim$3,962$4,400$43811%
Mississippi2 Fire Claims$3,962$5,508$1,54651%
Mississippi2 Liability Claims$3,962$5,362$1,40047%
Mississippi2 Medical Claims$6,190$6,989$80020%
Mississippi2 Theft Claims$3,962$5,005$1,04334%
Mississippi2 Water Claims$3,962$5,112$1,15039%
Mississippi2 Weather Claims$3,962$4,655$69321%
Montana1 Fire Claim$4,816$5,552$73519%
Montana1 Liability Claim$4,816$5,470$65415%
Montana1 Medical Claim$5,557$6,079$52210%
Montana1 Theft Claim$4,816$5,425$60914%
Montana1 Water Claim$4,816$5,575$75917%
Montana1 Weather Claim$5,211$5,779$56711%
Montana2 Fire Claims$4,816$5,935$1,11830%
Montana2 Liability Claims$4,816$5,919$1,10328%
Montana2 Medical Claims$5,557$6,071$51414%
Montana2 Theft Claims$4,816$5,523$70720%
Montana2 Water Claims$4,816$5,763$94723%
Montana2 Weather Claims$5,211$5,849$63813%
North Carolina1 Fire Claim$4,744$5,990$1,24629%
North Carolina1 Liability Claim$4,744$5,994$1,25130%
North Carolina1 Theft Claim$4,744$5,973$1,22929%
North Carolina1 Water Claim$4,744$6,051$1,30730%
North Carolina1 Weather Claim$3,644$4,123$47915%
North Carolina2 Fire Claims$4,744$7,239$2,49556%
North Carolina2 Liability Claims$4,744$7,205$2,46158%
North Carolina2 Theft Claims$4,744$7,197$2,45455%
North Carolina2 Water Claims$4,744$7,402$2,65957%
North Carolina2 Weather Claims$3,644$4,228$58417%
North Dakota1 Fire Claim$3,972$5,331$1,35829%
North Dakota1 Liability Claim$3,972$5,404$1,43128%
North Dakota1 Medical Claim$4,130$5,495$1,36526%
North Dakota1 Theft Claim$3,972$5,418$1,44629%
North Dakota1 Water Claim$3,972$5,396$1,42429%
North Dakota1 Weather Claim$3,939$5,324$1,38628%
North Dakota2 Fire Claims$3,972$6,228$2,25649%
North Dakota2 Liability Claims$3,972$6,553$2,58151%
North Dakota2 Medical Claims$4,130$6,858$2,72847%
North Dakota2 Theft Claims$3,972$6,437$2,46550%
North Dakota2 Water Claims$3,972$6,438$2,46649%
North Dakota2 Weather Claims$4,689$6,285$1,59730%
Nebraska1 Fire Claim$7,780$9,071$1,29116%
Nebraska1 Liability Claim$7,780$8,972$1,19214%
Nebraska1 Medical Claim$7,036$7,597$56110%
Nebraska1 Theft Claim$7,780$9,038$1,25915%
Nebraska1 Water Claim$7,780$9,104$1,32416%
Nebraska1 Weather Claim$8,929$10,234$1,30512%
Nebraska2 Fire Claims$6,553$9,594$3,04135%
Nebraska2 Liability Claims$6,553$9,345$2,79329%
Nebraska2 Medical Claims$4,433$5,128$69517%
Nebraska2 Theft Claims$6,553$9,385$2,83330%
Nebraska2 Water Claims$6,553$9,428$2,87530%
Nebraska2 Weather Claims$7,076$10,108$3,03223%
New Hampshire1 Fire Claim$1,338$1,708$36928%
New Hampshire1 Liability Claim$1,338$1,666$32825%
New Hampshire1 Medical Claim$1,308$1,483$17515%
New Hampshire1 Theft Claim$1,338$1,688$34927%
New Hampshire1 Water Claim$1,338$1,652$31424%
New Hampshire1 Weather Claim$1,338$1,526$18714%
New Hampshire2 Fire Claims$1,338$2,007$66950%
New Hampshire2 Liability Claims$1,338$1,938$59946%
New Hampshire2 Medical Claims$1,308$1,616$30825%
New Hampshire2 Theft Claims$1,338$1,967$62948%
New Hampshire2 Water Claims$1,338$1,906$56843%
New Hampshire2 Weather Claims$1,338$1,605$26720%
New Jersey1 Fire Claim$1,479$1,957$47933%
New Jersey1 Liability Claim$1,479$1,939$46030%
New Jersey1 Medical Claim$1,587$2,008$42124%
New Jersey1 Theft Claim$1,479$1,907$42828%
New Jersey1 Water Claim$1,479$1,883$40426%
New Jersey1 Weather Claim$1,479$1,840$36223%
New Jersey2 Fire Claims$1,479$2,260$78256%
New Jersey2 Liability Claims$1,479$2,221$74252%
New Jersey2 Medical Claims$1,587$2,171$58534%
New Jersey2 Theft Claims$1,479$2,221$74252%
New Jersey2 Water Claims$1,479$2,147$66847%
New Jersey2 Weather Claims$1,479$2,045$56640%
New Mexico1 Fire Claim$2,859$3,702$84326%
New Mexico1 Liability Claim$2,859$3,680$82126%
New Mexico1 Medical Claim$2,408$2,795$38716%
New Mexico1 Theft Claim$2,859$3,680$82126%
New Mexico1 Water Claim$2,859$3,569$71022%
New Mexico1 Weather Claim$2,849$3,844$99530%
New Mexico2 Fire Claims$2,859$3,965$1,10634%
New Mexico2 Liability Claims$2,859$3,989$1,12935%
New Mexico2 Medical Claims$2,408$3,047$63925%
New Mexico2 Theft Claims$2,859$3,989$1,12935%
New Mexico2 Water Claims$2,859$3,742$88327%
New Mexico2 Weather Claims$2,849$4,055$1,20636%
Nevada1 Fire Claim$1,773$2,430$65637%
Nevada1 Liability Claim$1,773$2,159$38522%
Nevada1 Medical Claim$1,715$2,071$35621%
Nevada1 Theft Claim$1,773$2,255$48128%
Nevada1 Water Claim$1,773$2,240$46626%
Nevada1 Weather Claim$1,713$1,954$24114%
Nevada2 Fire Claims$1,773$3,081$1,30774%
Nevada2 Liability Claims$1,773$2,708$93452%
Nevada2 Medical Claims$1,715$2,427$71142%
Nevada2 Theft Claims$1,773$2,817$1,04459%
Nevada2 Water Claims$1,773$2,789$1,01557%
Nevada2 Weather Claims$1,713$2,170$45727%
New York1 Fire Claim$1,655$2,178$52235%
New York1 Liability Claim$1,655$2,184$52836%
New York1 Medical Claim$1,627$2,084$45833%
New York1 Theft Claim$1,655$2,179$52435%
New York1 Water Claim$1,655$2,105$45032%
New York1 Weather Claim$1,670$2,046$37729%
New York2 Fire Claims$1,655$2,395$73948%
New York2 Liability Claims$1,655$2,377$72247%
New York2 Medical Claims$1,627$2,527$90066%
New York2 Theft Claims$1,655$2,372$71747%
New York2 Water Claims$1,655$2,471$81661%
New York2 Weather Claims$1,670$2,434$76558%
Ohio1 Fire Claim$2,703$3,322$61925%
Ohio1 Liability Claim$2,764$3,313$55022%
Ohio1 Medical Claim$3,411$3,855$44416%
Ohio1 Theft Claim$2,703$3,219$51621%
Ohio1 Water Claim$2,703$3,289$58625%
Ohio1 Weather Claim$2,719$3,096$37715%
Ohio2 Fire Claims$2,703$3,778$1,07545%
Ohio2 Liability Claims$2,764$3,855$1,09148%
Ohio2 Medical Claims$3,411$3,923$51221%
Ohio2 Theft Claims$2,703$3,456$75332%
Ohio2 Water Claims$2,703$3,757$1,05445%
Ohio2 Weather Claims$2,719$3,187$46920%
Oklahoma1 Fire Claim$5,543$6,409$86517%
Oklahoma1 Liability Claim$5,543$6,346$80316%
Oklahoma1 Medical Claim$5,759$7,898$2,13945%
Oklahoma1 Theft Claim$5,543$6,342$79916%
Oklahoma1 Water Claim$5,543$6,319$77615%
Oklahoma1 Weather Claim$4,215$6,617$2,40255%
Oklahoma2 Fire Claims$5,543$7,437$1,89333%
Oklahoma2 Liability Claims$5,543$7,355$1,81231%
Oklahoma2 Medical Claims$5,759$8,488$2,72954%
Oklahoma2 Theft Claims$5,543$7,354$1,81131%
Oklahoma2 Water Claims$5,543$7,327$1,78430%
Oklahoma2 Weather Claims$4,215$6,617$2,40255%
Oregon1 Fire Claim$1,567$2,051$48427%
Oregon1 Liability Claim$1,567$1,922$35520%
Oregon1 Medical Claim$1,483$1,711$22814%
Oregon1 Theft Claim$1,567$1,927$36020%
Oregon1 Water Claim$1,567$1,944$37721%
Oregon1 Weather Claim$1,573$1,887$31417%
Oregon2 Fire Claims$1,567$2,364$79745%
Oregon2 Liability Claims$1,567$2,292$72543%
Oregon2 Medical Claims$1,483$1,845$36222%
Oregon2 Theft Claims$1,567$2,148$58131%
Oregon2 Water Claims$1,567$2,204$63736%
Oregon2 Weather Claims$1,573$1,976$40423%
Pennsylvania1 Fire Claim$2,129$2,681$55231%
Pennsylvania1 Liability Claim$2,129$2,573$44424%
Pennsylvania1 Medical Claim$2,791$3,039$24810%
Pennsylvania1 Theft Claim$2,129$2,592$46326%
Pennsylvania1 Water Claim$2,129$2,645$51629%
Pennsylvania1 Weather Claim$2,181$2,436$25513%
Pennsylvania2 Fire Claims$2,129$3,175$1,04762%
Pennsylvania2 Liability Claims$2,129$2,893$76543%
Pennsylvania2 Medical Claims$2,791$3,104$31316%
Pennsylvania2 Theft Claims$2,129$2,888$76046%
Pennsylvania2 Water Claims$2,129$3,170$1,04163%
Pennsylvania2 Weather Claims$2,181$2,514$33318%
Rhode Island1 Fire Claim$2,692$3,536$84431%
Rhode Island1 Liability Claim$2,692$3,595$90233%
Rhode Island1 Medical Claim$2,560$3,080$52019%
Rhode Island1 Theft Claim$2,692$3,444$75228%
Rhode Island1 Water Claim$2,692$3,582$89032%
Rhode Island1 Weather Claim$2,672$3,222$55020%
Rhode Island2 Fire Claims$2,692$4,608$1,91670%
Rhode Island2 Liability Claims$2,692$4,137$1,44552%
Rhode Island2 Medical Claims$2,560$4,108$1,54855%
Rhode Island2 Theft Claims$2,692$4,353$1,66160%
Rhode Island2 Water Claims$2,692$4,663$1,97171%
Rhode Island2 Weather Claims$2,692$3,658$96635%
South Carolina1 Fire Claim$3,463$3,993$53118%
South Carolina1 Liability Claim$3,463$3,949$48616%
South Carolina1 Medical Claim$4,427$4,887$46012%
South Carolina1 Theft Claim$3,463$3,917$45515%
South Carolina1 Water Claim$3,361$3,831$47116%
South Carolina1 Weather Claim$3,361$3,644$2839%
South Carolina2 Fire Claims$3,463$4,253$79029%
South Carolina2 Liability Claims$3,463$4,188$72625%
South Carolina2 Medical Claims$4,427$5,010$58317%
South Carolina2 Theft Claims$3,463$4,119$65624%
South Carolina2 Water Claims$3,361$4,006$64524%
South Carolina2 Weather Claims$3,361$3,631$27010%
South Dakota1 Fire Claim$4,588$5,684$1,09525%
South Dakota1 Liability Claim$4,588$5,652$1,06424%
South Dakota1 Medical Claim$4,536$5,122$58712%
South Dakota1 Theft Claim$4,588$5,729$1,14125%
South Dakota1 Water Claim$4,588$5,632$1,04420%
South Dakota1 Weather Claim$4,713$5,821$1,10823%
South Dakota2 Fire Claims$4,588$6,706$2,11850%
South Dakota2 Liability Claims$4,588$6,840$2,25154%
South Dakota2 Medical Claims$4,536$5,473$93718%
South Dakota2 Theft Claims$4,588$6,591$2,00247%
South Dakota2 Water Claims$4,588$6,333$1,74536%
South Dakota2 Weather Claims$4,713$6,407$1,69435%
Tennessee1 Fire Claim$3,673$4,309$63616%
Tennessee1 Liability Claim$3,673$4,264$59115%
Tennessee1 Medical Claim$3,121$3,610$48816%
Tennessee1 Theft Claim$3,673$4,287$61516%
Tennessee1 Water Claim$3,673$4,258$58615%
Tennessee1 Weather Claim$7,092$7,667$5758%
Tennessee2 Fire Claims$3,673$4,931$1,25834%
Tennessee2 Liability Claims$3,673$4,954$1,28235%
Tennessee2 Medical Claims$3,121$4,711$1,59051%
Tennessee2 Theft Claims$3,673$4,809$1,13630%
Tennessee2 Water Claims$3,673$4,808$1,13530%
Tennessee2 Weather Claims$7,092$7,487$3956%
Texas1 Fire Claim$4,491$5,608$1,11723%
Texas1 Liability Claim$4,491$5,455$96421%
Texas1 Medical Claim$6,283$7,216$93219%
Texas1 Theft Claim$4,491$5,521$1,03022%
Texas1 Water Claim$4,491$5,455$96421%
Texas1 Weather Claim$6,283$6,840$55711%
Texas2 Fire Claims$4,426$6,156$1,73134%
Texas2 Liability Claims$4,426$5,895$1,46931%
Texas2 Medical Claims$5,555$7,122$1,56735%
Texas2 Theft Claims$4,426$6,018$1,59333%
Texas2 Water Claims$4,491$5,753$1,26225%
Texas2 Weather Claims$6,283$6,840$55711%
Utah1 Fire Claim$1,628$2,095$46726%
Utah1 Liability Claim$1,628$2,092$46526%
Utah1 Medical Claim$1,439$1,680$24117%
Utah1 Theft Claim$1,628$2,094$46626%
Utah1 Water Claim$1,628$2,090$46325%
Utah1 Weather Claim$1,696$2,078$38219%
Utah2 Fire Claims$1,628$2,321$69338%
Utah2 Liability Claims$1,628$2,279$65236%
Utah2 Medical Claims$1,439$1,735$29522%
Utah2 Theft Claims$1,628$2,290$66236%
Utah2 Water Claims$1,628$2,327$69939%
Utah2 Weather Claims$1,696$2,237$54127%
Virginia1 Fire Claim$2,767$3,482$71527%
Virginia1 Liability Claim$2,767$3,467$70025%
Virginia1 Medical Claim$2,700$3,137$43720%
Virginia1 Theft Claim$2,767$3,398$63125%
Virginia1 Water Claim$2,767$3,519$75329%
Virginia1 Weather Claim$2,625$3,135$51021%
Virginia2 Fire Claims$2,767$4,068$1,30246%
Virginia2 Liability Claims$2,767$4,007$1,24140%
Virginia2 Medical Claims$2,700$3,305$60528%
Virginia2 Theft Claims$2,767$3,728$96137%
Virginia2 Water Claims$2,767$4,151$1,38451%
Virginia2 Weather Claims$2,625$3,358$73328%
Vermont1 Fire Claim$1,263$1,577$31423%
Vermont1 Liability Claim$1,263$1,549$28620%
Vermont1 Medical Claim$1,349$1,544$19614%
Vermont1 Theft Claim$1,263$1,485$22218%
Vermont1 Water Claim$1,263$1,510$24818%
Vermont1 Weather Claim$1,295$1,519$22414%
Vermont2 Fire Claims$1,263$1,859$59643%
Vermont2 Liability Claims$1,263$1,871$60841%
Vermont2 Medical Claims$1,349$1,694$34625%
Vermont2 Theft Claims$1,263$1,682$41935%
Vermont2 Water Claims$1,263$1,716$45332%
Vermont2 Weather Claims$1,295$1,717$42226%
Washington1 Fire Claim$1,746$2,389$64338%
Washington1 Liability Claim$1,753$2,185$43225%
Washington1 Medical Claim$1,849$2,320$47024%
Washington1 Theft Claim$1,746$2,207$46127%
Washington1 Water Claim$1,746$2,218$47227%
Washington1 Weather Claim$1,662$2,054$39224%
Washington2 Fire Claims$1,746$2,758$1,01262%
Washington2 Liability Claims$1,753$2,416$66339%
Washington2 Medical Claims$1,849$2,523$67334%
Washington2 Theft Claims$1,746$2,445$69841%
Washington2 Water Claims$1,746$2,500$75345%
Washington2 Weather Claims$1,662$2,240$57935%
Wisconsin1 Fire Claim$1,855$2,292$43723%
Wisconsin1 Liability Claim$1,855$2,202$34819%
Wisconsin1 Medical Claim$2,017$2,350$33316%
Wisconsin1 Theft Claim$1,855$2,220$36519%
Wisconsin1 Water Claim$1,855$2,229$37420%
Wisconsin1 Weather Claim$1,855$2,144$28915%
Wisconsin2 Fire Claims$1,855$2,756$90149%
Wisconsin2 Liability Claims$1,855$2,783$92852%
Wisconsin2 Medical Claims$2,017$2,574$55728%
Wisconsin2 Theft Claims$1,855$2,552$69738%
Wisconsin2 Water Claims$1,855$2,599$74441%
Wisconsin2 Weather Claims$1,855$2,397$54230%
West Virginia1 Fire Claim$1,951$2,403$45224%
West Virginia1 Liability Claim$1,951$2,393$44223%
West Virginia1 Medical Claim$2,123$2,365$24210%
West Virginia1 Theft Claim$1,951$2,398$44723%
West Virginia1 Water Claim$1,951$2,537$58630%
West Virginia1 Weather Claim$1,923$2,215$29216%
West Virginia2 Fire Claims$1,951$2,699$74840%
West Virginia2 Liability Claims$1,951$2,703$75243%
West Virginia2 Medical Claims$2,123$2,379$25611%
West Virginia2 Theft Claims$1,951$2,574$62233%
West Virginia2 Water Claims$1,951$2,996$1,04553%
West Virginia2 Weather Claims$1,923$2,268$34519%
Wyoming1 Fire Claim$2,065$2,472$40719%
Wyoming1 Liability Claim$2,065$2,310$24511%
Wyoming1 Medical Claim$2,001$2,208$20710%
Wyoming1 Theft Claim$2,065$2,310$24511%
Wyoming1 Water Claim$2,065$2,460$39518%
Wyoming1 Weather Claim$1,812$1,858$462%
Wyoming2 Fire Claims$2,065$2,925$86040%
Wyoming2 Liability Claims$2,065$2,601$53625%
Wyoming2 Medical Claims$2,001$2,370$37017%
Wyoming2 Theft Claims$2,065$2,601$53625%
Wyoming2 Water Claims$2,065$2,887$82238%
Wyoming2 Weather Claims$2,065$2,155$905%

home-insurance

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When should you file a home insurance claim?

File a homeowners insurance claim when the damage clearly costs more than your deductible, or when there’s a real risk you could be held legally responsible. If the repair bill is close to or below your deductible, it’s usually smarter to pay out of pocket, especially if you’ve filed a claim recently.

SituationShould you file a claim?
Damage costs significantly more than your deductible✅
Someone was injured on your property, or there’s a possibility of a lawsuit✅
Major structural damage (fire, storm, etc.)✅
Repair cost is close to or below your deductible❌
Minor, cosmetic damage you can comfortably pay for yourself❌
You’ve already filed a claim recently and this one is minor❌
You want to preserve a claims-free discount❌
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Liability situations are the main exception to the “wait it out” rule. If someone is injured on your property, or there’s even a possibility of a lawsuit, it’s best to report the claim right away. Liability costs can escalate quickly, and that’s exactly the kind of risk your homeowners policy is meant to cover.

“If the claim is below your deductible, you shouldn’t file it, there’s nothing to be gained. But if someone gets injured and there’s a possibility they may sue you, you need to let your insurer know,” says Amy Bach, executive director of United Policyholders, a consumer advocacy group.

What factors increase homeowners insurance rates?

Homeowners insurance premiums can rise for many reasons beyond your personal claim history. Insurers evaluate risks tied to your location, your home’s condition, and your household. Here are the factors that most commonly lead to higher rates:

  • More claims in your area: Spikes in burglaries, thefts, or fires in your ZIP code, along with weather-related claims from hurricanes, hail, tornadoes, or wildfires, can raise rates for everyone nearby
  • Home maintenance and condition: An old or deteriorating roof, foundation issues, or outdated wiring and plumbing all increase the risk of a future claim
  • High-risk home features: Pools, hot tubs, trampolines, and wood stoves or fireplaces raise liability exposure and often trigger added scrutiny from insurers
  • Pets: Certain dog breeds associated with bite claims, or exotic pets with higher injury or damage risk, can lead to surcharges or coverage exclusions

What one claim actually cost this Michigan homeowner

Even relatively small claims can result in an increase in home insurance premiums. That’s something Therese, a homeowner in Michigan, discovered a few years ago.

She had the unsettling experience of seeing smoke coming from the outlets in her basement. An emergency call was made to an electrician who determined that Therese’s electric provider was sending too much voltage into her home.

Once that issue was resolved, Therese was faced with damage that required her to replace the following:

  • Electrical panel
  • Furnace control board
  • Refrigerator
  • Dishwasher
  • Some wiring

Her insurance company paid $11,655 which was enough to cover the damage, minus a $1,000 deductible. This was the first claim made on the policy, which had been in effect about five years at this point.

In the year of the incident, Therese’s home insurance premium was $1,004. The year after her claim, the premium rose to $1,296, a nearly 30% increase.

The increase appeared to be linked, in part, to the loss of a preferred homeowner discount that was awarded to those with a claim-free policy. Losing that discount added about $173 to the price of Therese’s annual premium.

Frequently asked questions

Does a roof claim raise insurance premiums?

Yes, a roof claim can raise your premium just like any other home insurance claim. Insurers also pay close attention to roof condition overall, sometimes sending appraisers to check for issues like overhanging trees or damaged shingles. Since most insurers consider a roof’s lifespan to be 20 to 25 years, an aging roof may prompt your insurer to request repairs or replacement, or risk losing coverage.

How long does a claim affect your home insurance?

Claims typically stay on your record for five to seven years, and can mean higher rates both with your current insurer and if you shop for a new policy. Insurers pull your claims history through CLUE, which usually looks back five years, including claims filed before you owned the home.

How many insurance claims are too many?

There’s no official limit on how many claims you can file, but many insurers will drop coverage after three claims within a three-year period, regardless of claim type.

Does a hail damage claim raise home insurance rates?

It depends. Since hail damage is weather-related and outside your control, a single claim may not raise your rate. But if it’s your second claim within the past three years, you can likely expect an increase.

Is it worth filing a claim with your homeowners insurance company?

Whether or not you file a claim depends on the amount of damage your home has experienced. If the damage is minor, it’s best to pay for the repairs yourself, as a claim could increase the cost of your coverage and be more costly in the long run. But if the damage is significant, it is usually worth it to file a homeowners insurance claim.

Can insurance companies raise your rates after you file a claim?

Yes. Insurance companies can raise your rates after you file a claim. However, just because insurance companies can, doesn’t mean they always will. Insurance companies will take multiple factors into account, such as which driver was at fault. It is best practice to not file too many claims, as this can lead to a very high premium.

Why does your homeowners insurance premium increase after filing a claim?

Insurance companies may increase your premium after you file a claim because a claim can indicate to the insurer that you are more likely to file another. By increasing your premium, the insurance company accounts for the increased risk that comes with your coverage.

Can you keep the insurance claim money?

Sometimes. If you own your home outright and get an insurance payout for damage, the check is often made out to you. Technically, you could keep the money instead of using it for repairs—but keep in mind that leaving damage unrepaired could hurt your home’s value and future coverage.

If you have a mortgage, your lender will usually be listed on the check along with you. In that case, the money typically has to go toward repairs, and the lender may require proof the work is completed before releasing funds.

Methodology

Insure.com commissioned Quadrant Information Services for 2025 home insurance data. Our team of data analysts and editors analyzed 17,856,699 insurance quotes from 134 companies (75 company groups) across 34,595 ZIP codes in all 51 states.

Rates are based on a coverage set of: 

  • $300,000 in dwelling coverage 
  • with a $1,000 deductible 
  • $100,000 in liability coverage

These rates are for comparison purposes, and your own rates may vary.

author image
Alisha Ambre

 
  

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

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