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Americans pay an average rate of $2,305 a year for home insurance for a $300,000 policy with $300,000 liability and a $1,000 deductible. But that number can be higher or lower depending on where you live and several other factors, including the number and the types of insurance claims you file.

Homeowners file claims for everything from water damage and weather-related property damage to theft, fire and lightning damage and personal liability.

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

Yes, homeowners insurance rates increase after you file a claim typically. The increase depends on the claim’s type and size and how many claims you’ve filed in the past few years. 

Insurance claim history can increase your rate in several ways.

If you have a history of filing claims at previous homes or places you lived, a home insurance company may increase your rate. In that case, the insurance company views you as riskier and thinks you’re more apt to file an insurance claim.

Key Takeaways

  • Home insurance claims increases your insurance rates, and the increase depends on the claim’s type and size and number of claims filed in the past years.
  • Raise your deductible to reduce your home insurance premium especially after filing a claim.
  • Filing a single claim in the span of five years can lead to potential premium increases. However, filing two claims in a row may result in higher rate increase.
  • If the claim’s potential cost is less than your deductible, it is better to avoid filling a claim and pay out of pocket.

How do you avoid that? Don’t file claims when you can.

“Insurers will say to you, ‘if it wasn’t your fault, it won’t affect you at all and we won’t penalize you for it in any way,’ but because all claims get reported to the CLUE database — the Comprehensive Loss and Underwriting Exchange — the safest thing for a consumer is to not file small claims and pay for them out of pocket, [just] to be sure it won’t affect you,” says Amy Bach, executive director of United Policyholders, a consumer advocacy group.

Bach says part of the challenge is that the process home insurance companies use to determine how claims affect rates isn’t transparent. Since each insurer has its own underwriting guidelines and rating rules, it’s almost impossible for consumers to get a straight answer about how claims will be factored into their rate, Bach says.

However, the worse your risk profile looks and the more claims on your record, the less attractive you are to an insurer. Through CLUE, insurers can access information on the frequency and type of claims you file — two variables that can increase your rates.

How much do home insurance rates go up after a claim?

Filing a single claim over a five-year period may lead to premium increases. However, a second claim will increase your home insurance rates even more.

Here are the top average home insurance percentage premium increases based on claims:

  • Filing a second fire claim — 60%
  • Filing a second theft claim — 55%
  • Filing a second liability claim — 52%
  • Filing a second water damage claim — 50%
  • Filing a second medical claim — 34%
  • Filing a second weather claim — 29%
  • Filing a fire claim — 29%
  • Filing a theft claim — 27%
  • Filing a liability claim — 25%
  • Filing a water claim — 25%
  • Filing a medical claim — 18%
  • Filing a weather claim — 17%

How much do claims increase home insurance rates in your state?

Home insurance rates can vary significantly from one state to another and even from one city to the next. Let’s find out how filing different types of claims can increase home insurance rates in your state.

StateType of claimPremium before claimPremium after claim$ Difference% Difference
Alaska1 Fire Claim$ 1,413$ 2,030$ 61839%
Alaska1 Liability Claim$ 1,413$ 2,030$ 61839%
Alaska1 Medical Claim$ 1,413$ 1,609$ 19614%
Alaska1 Theft Claim$ 1,413$ 2,030$ 61839%
Alaska1 Water Claim$ 1,413$ 1,803$ 39127%
Alaska1 Weather Claim$ 1,427$ 1,730$ 30319%
Alaska1 Weather Claims$ 1,427$ 1,956$ 52931%
Alaska2 Fire Claims$ 1,413$ 2,619$ 1,20777%
Alaska2 Liability Claims$ 1,413$ 2,619$ 1,20777%
Alaska2 Medical Claims$ 1,413$ 1,609$ 19614%
Alaska2 Theft Claims$ 1,413$ 2,619$ 1,20777%
Alaska2 Water Claims$ 1,413$ 2,271$ 85959%
Alabama1 Fire Claim$ 2,610$ 3,460$ 85032%
Alabama1 Liability Claim$ 2,610$ 3,371$ 76128%
Alabama1 Medical Claim$ 2,388$ 2,749$ 36217%
Alabama1 Theft Claim$ 2,610$ 3,404$ 79430%
Alabama1 Water Claim$ 2,610$ 3,365$ 75528%
Alabama1 Weather Claim$ 2,345$ 2,603$ 25812%
Alabama1 Weather Claims$ 2,345$ 2,603$ 25812%
Alabama2 Fire Claims$ 2,610$ 4,172$ 1,56261%
Alabama2 Liability Claims$ 2,610$ 3,965$ 1,35550%
Alabama2 Medical Claims$ 2,388$ 2,925$ 53725%
Alabama2 Theft Claims$ 2,610$ 4,050$ 1,44053%
Alabama2 Water Claims$ 2,610$ 3,941$ 1,33148%
Arkansas1 Fire Claim$ 3,462$ 4,675$ 1,21333%
Arkansas1 Liability Claim$ 3,469$ 4,376$ 90723%
Arkansas1 Medical Claim$ 2,813$ 3,197$ 38512%
Arkansas1 Theft Claim$ 3,462$ 4,405$ 94325%
Arkansas1 Water Claim$ 3,462$ 4,487$ 1,02528%
Arkansas1 Weather Claim$ 2,336$ 2,601$ 26510%
Arkansas1 Weather Claims$ 2,336$ 2,601$ 26510%
Arkansas2 Fire Claims$ 3,462$ 5,894$ 2,43274%
Arkansas2 Liability Claims$ 3,462$ 5,126$ 1,66450%
Arkansas2 Medical Claims$ 2,813$ 3,381$ 56820%
Arkansas2 Theft Claims$ 3,462$ 5,271$ 1,80956%
Arkansas2 Water Claims$ 3,462$ 5,321$ 1,85955%
Arizona1 Fire Claim$ 1,862$ 2,453$ 59133%
Arizona1 Liability Claim$ 1,862$ 2,361$ 49927%
Arizona1 Medical Claim$ 2,007$ 2,288$ 28116%
Arizona1 Theft Claim$ 1,862$ 2,379$ 51730%
Arizona1 Water Claim$ 1,862$ 2,423$ 56131%
Arizona1 Weather Claim$ 2,040$ 2,410$ 36917%
Arizona1 Weather Claims$ 2,008$ 2,541$ 53328%
Arizona2 Fire Claims$ 1,862$ 2,923$ 1,06162%
Arizona2 Liability Claims$ 1,862$ 2,749$ 88752%
Arizona2 Medical Claims$ 2,007$ 2,413$ 40623%
Arizona2 Theft Claims$ 1,862$ 2,763$ 90155%
Arizona2 Water Claims$ 1,862$ 2,872$ 1,01059%
California1 Fire Claim$ 1,380$ 1,835$ 45533%
California1 Liability Claim$ 1,380$ 1,773$ 39228%
California1 Medical Claim$ 1,442$ 1,705$ 26218%
California1 Theft Claim$ 1,380$ 1,818$ 43832%
California1 Water Claim$ 1,420$ 1,863$ 44331%
California1 Weather Claim$ 1,347$ 1,617$ 27020%
California1 Weather Claims$ 1,347$ 1,919$ 57341%
California2 Fire Claims$ 1,380$ 2,278$ 89766%
California2 Liability Claims$ 1,380$ 2,170$ 79058%
California2 Medical Claims$ 1,442$ 1,909$ 46731%
California2 Theft Claims$ 1,380$ 2,241$ 86164%
California2 Water Claims$ 1,420$ 2,317$ 89765%
Colorado1 Fire Claim$ 3,145$ 4,155$ 1,01033%
Colorado1 Liability Claim$ 3,108$ 3,911$ 80325%
Colorado1 Medical Claim$ 2,648$ 2,981$ 33314%
Colorado1 Theft Claim$ 3,088$ 3,949$ 86027%
Colorado1 Water Claim$ 3,094$ 3,989$ 89429%
Colorado1 Weather Claim$ 3,108$ 3,590$ 48214%
Colorado1 Weather Claims$ 3,108$ 3,811$ 70321%
Colorado2 Fire Claims$ 3,130$ 4,778$ 1,64856%
Colorado2 Liability Claims$ 3,108$ 4,496$ 1,38846%
Colorado2 Medical Claims$ 2,628$ 3,172$ 54423%
Colorado2 Theft Claims$ 3,082$ 4,494$ 1,41247%
Colorado2 Water Claims$ 3,094$ 4,524$ 1,43048%
Connecticut1 Fire Claim$ 1,754$ 2,273$ 51930%
Connecticut1 Liability Claim$ 1,754$ 2,257$ 50429%
Connecticut1 Medical Claim$ 1,846$ 2,242$ 39622%
Connecticut1 Theft Claim$ 1,754$ 2,274$ 52130%
Connecticut1 Water Claim$ 1,754$ 2,198$ 44525%
Connecticut1 Weather Claim$ 1,755$ 2,115$ 36020%
Connecticut1 Weather Claims$ 1,755$ 2,491$ 73641%
Connecticut2 Fire Claims$ 1,754$ 2,917$ 1,16368%
Connecticut2 Liability Claims$ 1,754$ 2,881$ 1,12866%
Connecticut2 Medical Claims$ 1,846$ 2,793$ 94754%
Connecticut2 Theft Claims$ 1,754$ 2,916$ 1,16369%
Connecticut2 Water Claims$ 1,754$ 2,833$ 1,08062%
Washington D.C.1 Fire Claim$ 1,368$ 1,860$ 49238%
Washington D.C.1 Liability Claim$ 1,368$ 1,798$ 43033%
Washington D.C.1 Medical Claim$ 1,193$ 1,667$ 47342%
Washington D.C.1 Theft Claim$ 1,368$ 1,816$ 44934%
Washington D.C.1 Water Claim$ 1,368$ 1,713$ 34527%
Washington D.C.1 Weather Claim$ 1,246$ 1,408$ 16314%
Washington D.C.1 Weather Claims$ 1,291$ 1,869$ 57848%
Washington D.C.2 Fire Claims$ 1,368$ 2,418$ 1,05077%
Washington D.C.2 Liability Claims$ 1,368$ 2,321$ 95371%
Washington D.C.2 Medical Claims$ 1,193$ 1,839$ 64658%
Washington D.C.2 Theft Claims$ 1,368$ 2,362$ 99473%
Washington D.C.2 Water Claims$ 1,368$ 2,033$ 66650%
Delaware1 Fire Claim$ 1,247$ 1,527$ 28023%
Delaware1 Liability Claim$ 1,247$ 1,498$ 25121%
Delaware1 Medical Claim$ 1,389$ 1,617$ 22917%
Delaware1 Theft Claim$ 1,247$ 1,508$ 26021%
Delaware1 Water Claim$ 1,247$ 1,432$ 18415%
Delaware1 Weather Claim$ 1,247$ 1,371$ 12410%
Delaware1 Weather Claims$ 1,247$ 1,522$ 27422%
Delaware2 Fire Claims$ 1,247$ 2,091$ 84469%
Delaware2 Liability Claims$ 1,247$ 1,868$ 62150%
Delaware2 Medical Claims$ 1,389$ 1,767$ 37827%
Delaware2 Theft Claims$ 1,247$ 1,864$ 61652%
Delaware2 Water Claims$ 1,247$ 1,848$ 60147%
Florida1 Fire Claim$ 2,040$ 2,465$ 42520%
Florida1 Liability Claim$ 2,040$ 2,465$ 42520%
Florida1 Medical Claim$ 2,204$ 2,605$ 40118%
Florida1 Theft Claim$ 2,040$ 2,465$ 42520%
Florida1 Water Claim$ 2,040$ 2,465$ 42520%
Florida1 Weather Claim$ 2,165$ 2,421$ 25612%
Florida1 Weather Claims$ 2,165$ 2,487$ 32215%
Florida2 Fire Claims$ 2,040$ 2,565$ 52425%
Florida2 Liability Claims$ 2,040$ 2,565$ 52425%
Florida2 Medical Claims$ 2,204$ 2,649$ 44520%
Florida2 Theft Claims$ 2,040$ 2,565$ 52425%
Florida2 Water Claims$ 2,040$ 2,565$ 52425%
Georgia1 Fire Claim$ 2,095$ 2,696$ 60129%
Georgia1 Liability Claim$ 2,095$ 2,625$ 53025%
Georgia1 Medical Claim$ 1,911$ 2,250$ 33919%
Georgia1 Theft Claim$ 2,095$ 2,652$ 55727%
Georgia1 Water Claim$ 2,095$ 2,582$ 48723%
Georgia1 Weather Claim$ 1,929$ 2,228$ 29915%
Georgia1 Weather Claims$ 1,935$ 2,253$ 31817%
Georgia2 Fire Claims$ 2,095$ 3,462$ 1,36766%
Georgia2 Liability Claims$ 2,095$ 3,246$ 1,15155%
Georgia2 Medical Claims$ 1,911$ 2,559$ 64836%
Georgia2 Theft Claims$ 2,095$ 3,348$ 1,25360%
Georgia2 Water Claims$ 2,095$ 3,012$ 91743%
Hawaii1 Fire Claim$ 550$ 623$ 7314%
Hawaii1 Liability Claim$ 550$ 623$ 7314%
Hawaii1 Medical Claim$ 569$ 613$ 448%
Hawaii1 Theft Claim$ 550$ 623$ 7314%
Hawaii1 Water Claim$ 550$ 623$ 7314%
Hawaii1 Weather Claim$ 536$ 594$ 5812%
Hawaii1 Weather Claims$ 536$ 628$ 9218%
Hawaii2 Fire Claims$ 550$ 660$ 11021%
Hawaii2 Liability Claims$ 550$ 660$ 11021%
Hawaii2 Medical Claims$ 569$ 646$ 7714%
Hawaii2 Theft Claims$ 550$ 660$ 11021%
Hawaii2 Water Claims$ 550$ 660$ 11021%
Iowa1 Fire Claim$ 2,605$ 3,579$ 97531%
Iowa1 Liability Claim$ 2,605$ 3,388$ 78423%
Iowa1 Medical Claim$ 2,274$ 2,691$ 41717%
Iowa1 Theft Claim$ 2,605$ 3,524$ 92029%
Iowa1 Water Claim$ 2,605$ 3,474$ 87027%
Iowa1 Weather Claim$ 2,649$ 3,428$ 77820%
Iowa1 Weather Claims$ 2,649$ 3,811$ 1,16237%
Iowa2 Fire Claims$ 2,605$ 4,152$ 1,54757%
Iowa2 Liability Claims$ 2,605$ 3,904$ 1,29945%
Iowa2 Medical Claims$ 2,274$ 3,092$ 81835%
Iowa2 Theft Claims$ 2,605$ 4,023$ 1,41951%
Iowa2 Water Claims$ 2,605$ 3,999$ 1,39450%
Idaho1 Fire Claim$ 1,557$ 2,136$ 57838%
Idaho1 Liability Claim$ 1,557$ 2,062$ 50533%
Idaho1 Medical Claim$ 1,583$ 1,931$ 34720%
Idaho1 Theft Claim$ 1,557$ 2,114$ 55736%
Idaho1 Water Claim$ 1,557$ 2,096$ 53935%
Idaho1 Weather Claim$ 1,574$ 1,927$ 35423%
Idaho1 Weather Claims$ 1,557$ 2,099$ 54236%
Idaho2 Fire Claims$ 1,557$ 2,715$ 1,15878%
Idaho2 Liability Claims$ 1,557$ 2,591$ 1,03469%
Idaho2 Medical Claims$ 1,583$ 2,339$ 75545%
Idaho2 Theft Claims$ 1,557$ 2,705$ 1,14876%
Idaho2 Water Claims$ 1,557$ 2,590$ 1,03366%
Illinois1 Fire Claim$ 2,287$ 3,027$ 74038%
Illinois1 Liability Claim$ 2,287$ 2,974$ 68735%
Illinois1 Medical Claim$ 2,648$ 3,151$ 50323%
Illinois1 Theft Claim$ 2,287$ 3,005$ 71837%
Illinois1 Water Claim$ 2,287$ 2,923$ 63631%
Illinois1 Weather Claim$ 2,259$ 2,623$ 36519%
Illinois1 Weather Claims$ 2,269$ 2,917$ 64734%
Illinois2 Fire Claims$ 2,287$ 3,950$ 1,66387%
Illinois2 Liability Claims$ 2,287$ 3,733$ 1,44675%
Illinois2 Medical Claims$ 2,648$ 3,602$ 95546%
Illinois2 Theft Claims$ 2,287$ 3,773$ 1,48679%
Illinois2 Water Claims$ 2,287$ 3,619$ 1,33267%
Indiana1 Fire Claim$ 2,329$ 2,869$ 54025%
Indiana1 Liability Claim$ 2,361$ 2,950$ 58925%
Indiana1 Medical Claim$ 2,695$ 3,061$ 36615%
Indiana1 Theft Claim$ 2,361$ 2,864$ 50324%
Indiana1 Water Claim$ 2,361$ 2,856$ 49623%
Indiana1 Weather Claim$ 2,377$ 2,746$ 36916%
Indiana1 Weather Claims$ 2,327$ 2,950$ 62330%
Indiana2 Fire Claims$ 2,286$ 3,295$ 1,00851%
Indiana2 Liability Claims$ 2,319$ 3,404$ 1,08650%
Indiana2 Medical Claims$ 2,695$ 3,234$ 53926%
Indiana2 Theft Claims$ 2,319$ 3,215$ 89646%
Indiana2 Water Claims$ 2,319$ 3,344$ 1,02551%
Kansas1 Fire Claim$ 4,350$ 5,559$ 1,21026%
Kansas1 Liability Claim$ 4,422$ 5,519$ 1,09723%
Kansas1 Medical Claim$ 3,597$ 4,267$ 67118%
Kansas1 Theft Claim$ 4,350$ 5,482$ 1,13224%
Kansas1 Water Claim$ 4,422$ 5,579$ 1,15724%
Kansas1 Weather Claim$ 3,977$ 4,598$ 62115%
Kansas1 Weather Claims$ 3,977$ 4,990$ 1,01324%
Kansas2 Fire Claims$ 4,350$ 6,555$ 2,20649%
Kansas2 Liability Claims$ 4,422$ 6,366$ 1,94341%
Kansas2 Medical Claims$ 3,595$ 4,510$ 91525%
Kansas2 Theft Claims$ 4,350$ 6,397$ 2,04744%
Kansas2 Water Claims$ 4,422$ 6,486$ 2,06344%
Kentucky1 Fire Claim$ 2,458$ 3,350$ 89135%
Kentucky1 Liability Claim$ 2,458$ 3,281$ 82332%
Kentucky1 Medical Claim$ 2,482$ 3,204$ 72227%
Kentucky1 Theft Claim$ 2,458$ 3,320$ 86134%
Kentucky1 Water Claim$ 2,458$ 3,152$ 69327%
Kentucky1 Weather Claim$ 2,538$ 2,989$ 45018%
Kentucky1 Weather Claims$ 2,538$ 3,482$ 94436%
Kentucky2 Fire Claims$ 2,458$ 4,538$ 2,08080%
Kentucky2 Liability Claims$ 2,458$ 4,390$ 1,93275%
Kentucky2 Medical Claims$ 2,517$ 3,898$ 1,38151%
Kentucky2 Theft Claims$ 2,458$ 4,438$ 1,98077%
Kentucky2 Water Claims$ 2,458$ 3,881$ 1,42255%
Louisiana1 Fire Claim$ 3,357$ 4,225$ 86832%
Louisiana1 Liability Claim$ 3,357$ 4,126$ 76929%
Louisiana1 Medical Claim$ 3,475$ 4,146$ 67134%
Louisiana1 Theft Claim$ 3,357$ 4,126$ 76929%
Louisiana1 Water Claim$ 3,357$ 4,083$ 72628%
Louisiana1 Weather Claim$ 3,583$ 3,954$ 37119%
Louisiana1 Weather Claims$ 3,583$ 4,251$ 66834%
Louisiana2 Fire Claims$ 3,357$ 4,965$ 1,60758%
Louisiana2 Liability Claims$ 3,357$ 4,970$ 1,61356%
Louisiana2 Medical Claims$ 3,475$ 4,806$ 1,33161%
Louisiana2 Theft Claims$ 3,357$ 4,970$ 1,61356%
Louisiana2 Water Claims$ 3,357$ 4,765$ 1,40851%
Massachusetts1 Fire Claim$ 1,629$ 1,866$ 23614%
Massachusetts1 Liability Claim$ 1,629$ 1,882$ 25316%
Massachusetts1 Medical Claim$ 1,643$ 1,879$ 23615%
Massachusetts1 Theft Claim$ 1,629$ 1,844$ 21513%
Massachusetts1 Water Claim$ 1,629$ 1,869$ 23915%
Massachusetts1 Weather Claim$ 1,629$ 1,804$ 17511%
Massachusetts1 Weather Claims$ 1,629$ 1,989$ 36022%
Massachusetts2 Fire Claims$ 1,629$ 2,173$ 54432%
Massachusetts2 Liability Claims$ 1,629$ 2,111$ 48129%
Massachusetts2 Medical Claims$ 1,643$ 2,149$ 50633%
Massachusetts2 Theft Claims$ 1,629$ 2,080$ 45029%
Massachusetts2 Water Claims$ 1,629$ 2,155$ 52532%
Maryland1 Fire Claim$ 2,009$ 2,871$ 86243%
Maryland1 Liability Claim$ 2,009$ 2,765$ 75637%
Maryland1 Medical Claim$ 2,655$ 3,271$ 61623%
Maryland1 Theft Claim$ 2,009$ 2,700$ 69137%
Maryland1 Water Claim$ 2,009$ 2,705$ 69737%
Maryland1 Weather Claim$ 2,055$ 2,452$ 39819%
Maryland1 Weather Claims$ 2,033$ 2,822$ 79033%
Maryland2 Fire Claims$ 1,992$ 3,624$ 1,63187%
Maryland2 Liability Claims$ 1,992$ 3,366$ 1,37370%
Maryland2 Medical Claims$ 2,655$ 4,074$ 1,41945%
Maryland2 Theft Claims$ 1,992$ 3,470$ 1,47775%
Maryland2 Water Claims$ 1,992$ 3,537$ 1,54481%
Maine1 Fire Claim$ 1,407$ 1,950$ 54345%
Maine1 Liability Claim$ 1,407$ 1,897$ 49042%
Maine1 Medical Claim$ 1,363$ 1,880$ 51848%
Maine1 Theft Claim$ 1,407$ 1,911$ 50343%
Maine1 Water Claim$ 1,407$ 1,894$ 48741%
Maine1 Weather Claim$ 1,463$ 1,826$ 36332%
Maine1 Weather Claims$ 1,463$ 2,020$ 55746%
Maine2 Fire Claims$ 1,407$ 2,425$ 1,01881%
Maine2 Liability Claims$ 1,407$ 2,365$ 95878%
Maine2 Medical Claims$ 1,363$ 2,355$ 99286%
Maine2 Theft Claims$ 1,407$ 2,412$ 1,00581%
Maine2 Water Claims$ 1,407$ 2,300$ 89373%
Michigan1 Fire Claim$ 1,916$ 2,522$ 60633%
Michigan1 Liability Claim$ 1,953$ 2,533$ 58032%
Michigan1 Medical Claim$ 2,272$ 2,873$ 60131%
Michigan1 Theft Claim$ 1,916$ 2,621$ 70535%
Michigan1 Water Claim$ 1,955$ 2,416$ 46125%
Michigan1 Weather Claim$ 1,819$ 2,048$ 22915%
Michigan1 Weather Claims$ 1,973$ 2,726$ 75336%
Michigan2 Fire Claims$ 1,884$ 3,443$ 1,56083%
Michigan2 Liability Claims$ 1,915$ 3,326$ 1,41178%
Michigan2 Medical Claims$ 2,171$ 3,634$ 1,46374%
Michigan2 Theft Claims$ 1,884$ 3,189$ 1,30575%
Michigan2 Water Claims$ 1,917$ 3,125$ 1,20764%
Minnesota1 Fire Claim$ 2,611$ 3,498$ 88734%
Minnesota1 Liability Claim$ 2,611$ 3,439$ 82831%
Minnesota1 Medical Claim$ 2,501$ 2,796$ 29513%
Minnesota1 Theft Claim$ 2,611$ 3,482$ 87133%
Minnesota1 Water Claim$ 2,652$ 3,563$ 91135%
Minnesota1 Weather Claim$ 2,510$ 2,981$ 47120%
Minnesota1 Weather Claims$ 2,510$ 3,157$ 64627%
Minnesota2 Fire Claims$ 2,611$ 4,407$ 1,79567%
Minnesota2 Liability Claims$ 2,611$ 4,318$ 1,70763%
Minnesota2 Medical Claims$ 2,501$ 2,796$ 29513%
Minnesota2 Theft Claims$ 2,611$ 4,374$ 1,76366%
Minnesota2 Water Claims$ 2,652$ 4,407$ 1,75566%
Missouri1 Fire Claim$ 2,641$ 3,270$ 62924%
Missouri1 Liability Claim$ 2,730$ 3,327$ 59722%
Missouri1 Medical Claim$ 2,924$ 3,504$ 58020%
Missouri1 Theft Claim$ 2,730$ 3,331$ 60123%
Missouri1 Water Claim$ 2,730$ 3,337$ 60722%
Missouri1 Weather Claim$ 3,111$ 3,595$ 48416%
Missouri1 Weather Claims$ 3,076$ 3,836$ 76025%
Missouri2 Fire Claims$ 2,641$ 3,979$ 1,33851%
Missouri2 Liability Claims$ 2,730$ 3,837$ 1,10742%
Missouri2 Medical Claims$ 2,924$ 3,766$ 84230%
Missouri2 Theft Claims$ 2,730$ 3,861$ 1,13043%
Missouri2 Water Claims$ 2,730$ 3,798$ 1,06840%
Mississippi1 Fire Claim$ 3,576$ 4,739$ 1,16334%
Mississippi1 Liability Claim$ 3,576$ 4,549$ 97328%
Mississippi1 Medical Claim$ 3,885$ 4,650$ 76523%
Mississippi1 Theft Claim$ 3,576$ 4,672$ 1,09632%
Mississippi1 Water Claim$ 3,576$ 4,338$ 76223%
Mississippi1 Weather Claim$ 3,728$ 4,332$ 60419%
Mississippi1 Weather Claims$ 3,728$ 4,828$ 1,10033%
Mississippi2 Fire Claims$ 3,576$ 6,712$ 3,13691%
Mississippi2 Liability Claims$ 3,576$ 6,214$ 2,63874%
Mississippi2 Medical Claims$ 3,885$ 5,827$ 1,94356%
Mississippi2 Theft Claims$ 3,576$ 6,606$ 3,03086%
Mississippi2 Water Claims$ 3,576$ 5,190$ 1,61449%
Montana1 Fire Claim$ 2,207$ 2,734$ 52725%
Montana1 Liability Claim$ 2,207$ 2,623$ 41520%
Montana1 Medical Claim$ 2,425$ 2,812$ 38716%
Montana1 Theft Claim$ 2,207$ 2,648$ 44121%
Montana1 Water Claim$ 2,207$ 2,731$ 52424%
Montana1 Weather Claim$ 2,164$ 2,402$ 23810%
Montana1 Weather Claims$ 2,164$ 2,527$ 36316%
Montana2 Fire Claims$ 2,207$ 3,276$ 1,06852%
Montana2 Liability Claims$ 2,207$ 2,981$ 77439%
Montana2 Medical Claims$ 2,425$ 3,037$ 61326%
Montana2 Theft Claims$ 2,207$ 3,055$ 84841%
Montana2 Water Claims$ 2,207$ 3,127$ 92045%
North Carolina1 Fire Claim$ 2,942$ 3,713$ 77227%
North Carolina1 Liability Claim$ 2,942$ 3,777$ 83629%
North Carolina1 Medical Claim$ 2,545$ 3,045$ 50018%
North Carolina1 Theft Claim$ 2,942$ 3,665$ 72324%
North Carolina1 Water Claim$ 2,942$ 3,532$ 59019%
North Carolina1 Weather Claim$ 3,053$ 3,325$ 2739%
North Carolina1 Weather Claims$ 3,053$ 3,588$ 53518%
North Carolina2 Fire Claims$ 2,942$ 4,628$ 1,68660%
North Carolina2 Liability Claims$ 2,942$ 4,810$ 1,86964%
North Carolina2 Medical Claims$ 2,545$ 3,736$ 1,19142%
North Carolina2 Theft Claims$ 2,942$ 4,569$ 1,62755%
North Carolina2 Water Claims$ 2,942$ 4,232$ 1,29143%
North Dakota1 Fire Claim$ 2,842$ 3,484$ 64323%
North Dakota1 Liability Claim$ 2,842$ 3,430$ 58822%
North Dakota1 Medical Claim$ 3,284$ 4,082$ 79825%
North Dakota1 Theft Claim$ 2,842$ 3,487$ 64624%
North Dakota1 Water Claim$ 2,842$ 3,452$ 61023%
North Dakota1 Weather Claim$ 2,997$ 3,515$ 51818%
North Dakota1 Weather Claims$ 2,997$ 3,851$ 85429%
North Dakota2 Fire Claims$ 2,842$ 4,088$ 1,24745%
North Dakota2 Liability Claims$ 2,842$ 4,092$ 1,25046%
North Dakota2 Medical Claims$ 3,284$ 4,692$ 1,40746%
North Dakota2 Theft Claims$ 2,842$ 4,053$ 1,21145%
North Dakota2 Water Claims$ 2,842$ 3,998$ 1,15644%
Nebraska1 Fire Claim$ 4,459$ 5,337$ 87822%
Nebraska1 Liability Claim$ 4,459$ 5,274$ 81520%
Nebraska1 Medical Claim$ 5,175$ 5,707$ 53212%
Nebraska1 Theft Claim$ 4,459$ 5,296$ 83621%
Nebraska1 Water Claim$ 4,459$ 5,348$ 88823%
Nebraska1 Weather Claim$ 4,963$ 5,458$ 49611%
Nebraska1 Weather Claims$ 4,482$ 5,223$ 74019%
Nebraska2 Fire Claims$ 4,459$ 6,057$ 1,59842%
Nebraska2 Liability Claims$ 4,459$ 5,945$ 1,48538%
Nebraska2 Medical Claims$ 4,626$ 5,311$ 68517%
Nebraska2 Theft Claims$ 4,138$ 5,624$ 1,48640%
Nebraska2 Water Claims$ 4,459$ 5,928$ 1,46939%
New Hampshire1 Fire Claim$ 1,139$ 1,446$ 30828%
New Hampshire1 Liability Claim$ 1,139$ 1,411$ 27326%
New Hampshire1 Medical Claim$ 1,155$ 1,369$ 21421%
New Hampshire1 Theft Claim$ 1,139$ 1,431$ 29327%
New Hampshire1 Water Claim$ 1,139$ 1,423$ 28527%
New Hampshire1 Weather Claim$ 1,139$ 1,316$ 17717%
New Hampshire1 Weather Claims$ 1,139$ 1,483$ 34533%
New Hampshire2 Fire Claims$ 1,157$ 1,835$ 67861%
New Hampshire2 Liability Claims$ 1,157$ 1,780$ 62258%
New Hampshire2 Medical Claims$ 1,177$ 1,626$ 44843%
New Hampshire2 Theft Claims$ 1,157$ 1,822$ 66561%
New Hampshire2 Water Claims$ 1,157$ 1,757$ 60055%
New Jersey1 Fire Claim$ 1,234$ 1,583$ 34930%
New Jersey1 Liability Claim$ 1,234$ 1,598$ 36331%
New Jersey1 Medical Claim$ 1,186$ 1,432$ 24622%
New Jersey1 Theft Claim$ 1,234$ 1,582$ 34730%
New Jersey1 Water Claim$ 1,234$ 1,556$ 32227%
New Jersey1 Weather Claim$ 1,234$ 1,493$ 25922%
New Jersey1 Weather Claims$ 1,234$ 1,682$ 44839%
New Jersey2 Fire Claims$ 1,234$ 1,943$ 70959%
New Jersey2 Liability Claims$ 1,234$ 1,986$ 75162%
New Jersey2 Medical Claims$ 1,186$ 1,611$ 42635%
New Jersey2 Theft Claims$ 1,234$ 1,941$ 70758%
New Jersey2 Water Claims$ 1,234$ 1,867$ 63353%
New Mexico1 Fire Claim$ 2,818$ 3,750$ 93235%
New Mexico1 Liability Claim$ 2,818$ 3,603$ 78529%
New Mexico1 Medical Claim$ 2,965$ 3,418$ 45316%
New Mexico1 Theft Claim$ 2,818$ 3,643$ 82531%
New Mexico1 Water Claim$ 2,926$ 3,762$ 83629%
New Mexico1 Weather Claim$ 3,060$ 3,847$ 78626%
New Mexico1 Weather Claims$ 2,904$ 4,002$ 1,09838%
New Mexico2 Fire Claims$ 2,818$ 4,577$ 1,75969%
New Mexico2 Liability Claims$ 2,818$ 4,280$ 1,46256%
New Mexico2 Medical Claims$ 2,965$ 3,791$ 82629%
New Mexico2 Theft Claims$ 2,818$ 4,372$ 1,55461%
New Mexico2 Water Claims$ 2,818$ 4,111$ 1,29348%
Nevada1 Fire Claim$ 1,524$ 1,959$ 43529%
Nevada1 Liability Claim$ 1,524$ 1,865$ 34124%
Nevada1 Medical Claim$ 1,561$ 1,808$ 24818%
Nevada1 Theft Claim$ 1,524$ 1,892$ 36826%
Nevada1 Water Claim$ 1,524$ 1,944$ 42128%
Nevada1 Weather Claim$ 1,614$ 1,842$ 22815%
Nevada1 Weather Claims$ 1,482$ 1,849$ 36726%
Nevada2 Fire Claims$ 1,524$ 2,516$ 99365%
Nevada2 Liability Claims$ 1,524$ 2,350$ 82657%
Nevada2 Medical Claims$ 1,561$ 2,012$ 45231%
Nevada2 Theft Claims$ 1,524$ 2,389$ 86661%
Nevada2 Water Claims$ 1,524$ 2,483$ 95963%
New York1 Fire Claim$ 1,377$ 1,617$ 24018%
New York1 Liability Claim$ 1,377$ 1,624$ 24718%
New York1 Medical Claim$ 1,401$ 1,618$ 21615%
New York1 Theft Claim$ 1,377$ 1,622$ 24518%
New York1 Water Claim$ 1,377$ 1,644$ 26720%
New York1 Weather Claim$ 1,377$ 1,589$ 21215%
New York1 Weather Claims$ 1,394$ 1,808$ 41429%
New York2 Fire Claims$ 1,394$ 2,003$ 60946%
New York2 Liability Claims$ 1,394$ 2,003$ 60946%
New York2 Medical Claims$ 1,401$ 1,844$ 44232%
New York2 Theft Claims$ 1,394$ 1,998$ 60445%
New York2 Water Claims$ 1,394$ 1,947$ 55341%
Ohio1 Fire Claim$ 1,752$ 2,241$ 48927%
Ohio1 Liability Claim$ 1,740$ 2,084$ 34421%
Ohio1 Medical Claim$ 1,723$ 1,992$ 26915%
Ohio1 Theft Claim$ 1,752$ 2,170$ 41824%
Ohio1 Water Claim$ 1,752$ 2,145$ 39423%
Ohio1 Weather Claim$ 1,739$ 1,982$ 24314%
Ohio1 Weather Claims$ 1,739$ 2,551$ 81245%
Ohio2 Fire Claims$ 1,752$ 3,063$ 1,31272%
Ohio2 Liability Claims$ 1,740$ 2,733$ 99357%
Ohio2 Medical Claims$ 1,723$ 2,651$ 92853%
Ohio2 Theft Claims$ 1,752$ 2,834$ 1,08260%
Ohio2 Water Claims$ 1,752$ 2,905$ 1,15365%
Oklahoma1 Fire Claim$ 4,652$ 5,638$ 98621%
Oklahoma1 Liability Claim$ 4,652$ 5,395$ 74317%
Oklahoma1 Medical Claim$ 4,856$ 5,651$ 79517%
Oklahoma1 Theft Claim$ 4,652$ 5,430$ 77817%
Oklahoma1 Water Claim$ 4,652$ 5,478$ 82617%
Oklahoma1 Weather Claim$ 4,233$ 4,945$ 71217%
Oklahoma1 Weather Claims$ 4,706$ 6,346$ 1,64032%
Oklahoma2 Fire Claims$ 4,960$ 7,343$ 2,38349%
Oklahoma2 Liability Claims$ 4,960$ 6,788$ 1,82838%
Oklahoma2 Medical Claims$ 5,074$ 6,782$ 1,70834%
Oklahoma2 Theft Claims$ 4,960$ 6,848$ 1,88840%
Oklahoma2 Water Claims$ 4,960$ 6,868$ 1,90937%
Oregon1 Fire Claim$ 1,299$ 1,763$ 46437%
Oregon1 Liability Claim$ 1,299$ 1,723$ 42432%
Oregon1 Medical Claim$ 1,114$ 1,281$ 16714%
Oregon1 Theft Claim$ 1,299$ 1,745$ 44635%
Oregon1 Water Claim$ 1,299$ 1,661$ 36228%
Oregon1 Weather Claim$ 1,257$ 1,492$ 23518%
Oregon1 Weather Claims$ 1,257$ 1,693$ 43635%
Oregon2 Fire Claims$ 1,299$ 2,328$ 1,02984%
Oregon2 Liability Claims$ 1,299$ 2,247$ 94873%
Oregon2 Medical Claims$ 1,114$ 1,444$ 33026%
Oregon2 Theft Claims$ 1,299$ 2,284$ 98577%
Oregon2 Water Claims$ 1,299$ 1,949$ 65051%
Pennsylvania1 Fire Claim$ 1,258$ 1,666$ 40932%
Pennsylvania1 Liability Claim$ 1,258$ 1,587$ 33026%
Pennsylvania1 Medical Claim$ 1,316$ 1,465$ 15012%
Pennsylvania1 Theft Claim$ 1,258$ 1,631$ 37429%
Pennsylvania1 Water Claim$ 1,230$ 1,589$ 35929%
Pennsylvania1 Weather Claim$ 1,260$ 1,449$ 18915%
Pennsylvania1 Weather Claims$ 1,245$ 1,672$ 42735%
Pennsylvania2 Fire Claims$ 1,245$ 2,259$ 1,01379%
Pennsylvania2 Liability Claims$ 1,245$ 2,005$ 76060%
Pennsylvania2 Medical Claims$ 1,353$ 1,715$ 36230%
Pennsylvania2 Theft Claims$ 1,245$ 2,086$ 84166%
Pennsylvania2 Water Claims$ 1,245$ 2,084$ 83867%
Rhode Island1 Fire Claim$ 1,556$ 2,011$ 45632%
Rhode Island1 Liability Claim$ 1,556$ 2,007$ 45133%
Rhode Island1 Medical Claim$ 1,411$ 1,806$ 39529%
Rhode Island1 Theft Claim$ 1,556$ 1,984$ 42830%
Rhode Island1 Water Claim$ 1,556$ 1,987$ 43230%
Rhode Island1 Weather Claim$ 1,410$ 1,707$ 29723%
Rhode Island1 Weather Claims$ 1,410$ 1,917$ 50838%
Rhode Island2 Fire Claims$ 1,556$ 2,527$ 97264%
Rhode Island2 Liability Claims$ 1,556$ 2,380$ 82454%
Rhode Island2 Medical Claims$ 1,411$ 2,251$ 84059%
Rhode Island2 Theft Claims$ 1,556$ 2,445$ 88959%
Rhode Island2 Water Claims$ 1,556$ 2,442$ 88659%
South Carolina1 Fire Claim$ 2,369$ 3,026$ 65627%
South Carolina1 Liability Claim$ 2,369$ 2,900$ 53023%
South Carolina1 Medical Claim$ 2,607$ 2,942$ 33513%
South Carolina1 Theft Claim$ 2,369$ 2,934$ 56524%
South Carolina1 Water Claim$ 2,350$ 2,823$ 47321%
South Carolina1 Weather Claim$ 2,350$ 2,572$ 22310%
South Carolina1 Weather Claims$ 2,350$ 2,806$ 45620%
South Carolina2 Fire Claims$ 2,369$ 3,729$ 1,36057%
South Carolina2 Liability Claims$ 2,369$ 3,428$ 1,05946%
South Carolina2 Medical Claims$ 2,607$ 3,290$ 68327%
South Carolina2 Theft Claims$ 2,369$ 3,531$ 1,16250%
South Carolina2 Water Claims$ 2,350$ 3,273$ 92340%
South Dakota1 Fire Claim$ 3,401$ 4,326$ 92524%
South Dakota1 Liability Claim$ 3,401$ 4,290$ 88923%
South Dakota1 Medical Claim$ 3,255$ 3,652$ 39711%
South Dakota1 Theft Claim$ 3,401$ 4,328$ 92624%
South Dakota1 Water Claim$ 3,401$ 4,267$ 86622%
South Dakota1 Weather Claim$ 3,471$ 4,383$ 91223%
South Dakota1 Weather Claims$ 3,471$ 4,938$ 1,46639%
South Dakota2 Fire Claims$ 3,401$ 5,114$ 1,71349%
South Dakota2 Liability Claims$ 3,401$ 5,039$ 1,63847%
South Dakota2 Medical Claims$ 3,156$ 3,710$ 55416%
South Dakota2 Theft Claims$ 3,401$ 5,028$ 1,62746%
South Dakota2 Water Claims$ 3,401$ 4,865$ 1,46440%
Tennessee1 Fire Claim$ 2,843$ 3,554$ 71128%
Tennessee1 Liability Claim$ 2,843$ 3,426$ 58323%
Tennessee1 Medical Claim$ 6,595$ 7,059$ 4647%
Tennessee1 Theft Claim$ 2,843$ 3,467$ 62425%
Tennessee1 Water Claim$ 2,908$ 3,527$ 61924%
Tennessee1 Weather Claim$ 3,245$ 3,543$ 29810%
Tennessee1 Weather Claims$ 3,245$ 3,641$ 39616%
Tennessee2 Fire Claims$ 2,843$ 4,377$ 1,53461%
Tennessee2 Liability Claims$ 2,843$ 4,002$ 1,15946%
Tennessee2 Medical Claims$ 6,595$ 6,809$ 2143%
Tennessee2 Theft Claims$ 2,843$ 4,087$ 1,24451%
Tennessee2 Water Claims$ 2,908$ 4,002$ 1,09443%
Texas1 Fire Claim$ 3,882$ 4,546$ 66516%
Texas1 Liability Claim$ 3,929$ 4,613$ 68416%
Texas1 Medical Claim$ 4,147$ 5,046$ 89920%
Texas1 Theft Claim$ 3,882$ 4,546$ 66416%
Texas1 Water Claim$ 3,960$ 4,689$ 73017%
Texas1 Weather Claim$ 3,001$ 3,645$ 64418%
Texas1 Weather Claims$ 2,967$ 3,738$ 77123%
Texas2 Fire Claims$ 3,751$ 5,335$ 1,58440%
Texas2 Liability Claims$ 3,783$ 5,354$ 1,57139%
Texas2 Medical Claims$ 3,858$ 5,266$ 1,40833%
Texas2 Theft Claims$ 3,751$ 5,323$ 1,57339%
Texas2 Water Claims$ 3,757$ 5,438$ 1,68043%
Utah1 Fire Claim$ 1,135$ 1,482$ 34731%
Utah1 Liability Claim$ 1,135$ 1,444$ 30927%
Utah1 Medical Claim$ 973$ 1,104$ 13115%
Utah1 Theft Claim$ 1,135$ 1,465$ 33029%
Utah1 Water Claim$ 1,135$ 1,427$ 29225%
Utah1 Weather Claim$ 1,116$ 1,374$ 25822%
Utah1 Weather Claims$ 1,068$ 1,465$ 39736%
Utah2 Fire Claims$ 1,135$ 1,830$ 69562%
Utah2 Liability Claims$ 1,135$ 1,776$ 64157%
Utah2 Medical Claims$ 973$ 1,180$ 20723%
Utah2 Theft Claims$ 1,135$ 1,798$ 66359%
Utah2 Water Claims$ 1,135$ 1,767$ 63256%
Virginia1 Fire Claim$ 1,396$ 2,146$ 75156%
Virginia1 Liability Claim$ 1,438$ 2,049$ 61245%
Virginia1 Medical Claim$ 1,330$ 1,475$ 14512%
Virginia1 Theft Claim$ 1,438$ 2,172$ 73454%
Virginia1 Water Claim$ 1,438$ 2,133$ 69551%
Virginia1 Weather Claim$ 1,403$ 1,761$ 35827%
Virginia1 Weather Claims$ 1,383$ 2,071$ 68852%
Virginia2 Fire Claims$ 1,380$ 2,970$ 1,590117%
Virginia2 Liability Claims$ 1,416$ 2,739$ 1,32398%
Virginia2 Medical Claims$ 1,330$ 1,556$ 22619%
Virginia2 Theft Claims$ 1,416$ 2,900$ 1,484109%
Virginia2 Water Claims$ 1,416$ 2,960$ 1,544112%
Vermont1 Fire Claim$ 1,092$ 1,301$ 20919%
Vermont1 Liability Claim$ 1,092$ 1,241$ 14914%
Vermont1 Medical Claim$ 1,124$ 1,239$ 11411%
Vermont1 Theft Claim$ 1,092$ 1,257$ 16516%
Vermont1 Water Claim$ 1,092$ 1,283$ 19117%
Vermont1 Weather Claim$ 1,082$ 1,147$ 657%
Vermont1 Weather Claims$ 1,087$ 1,218$ 13214%
Vermont2 Fire Claims$ 1,092$ 1,517$ 42538%
Vermont2 Liability Claims$ 1,092$ 1,404$ 31231%
Vermont2 Medical Claims$ 1,124$ 1,331$ 20719%
Vermont2 Theft Claims$ 1,092$ 1,428$ 33633%
Vermont2 Water Claims$ 1,092$ 1,475$ 38334%
Washington1 Fire Claim$ 1,349$ 1,834$ 48540%
Washington1 Liability Claim$ 1,365$ 1,792$ 42734%
Washington1 Medical Claim$ 1,310$ 1,645$ 33525%
Washington1 Theft Claim$ 1,349$ 1,798$ 44936%
Washington1 Water Claim$ 1,349$ 1,752$ 40332%
Washington1 Weather Claim$ 1,185$ 1,428$ 24322%
Washington1 Weather Claims$ 1,209$ 1,608$ 39936%
Washington2 Fire Claims$ 1,349$ 2,276$ 92676%
Washington2 Liability Claims$ 1,365$ 2,210$ 84467%
Washington2 Medical Claims$ 1,310$ 1,903$ 59345%
Washington2 Theft Claims$ 1,349$ 2,242$ 89371%
Washington2 Water Claims$ 1,349$ 2,130$ 78061%
Wisconsin1 Fire Claim$ 1,331$ 1,686$ 35526%
Wisconsin1 Liability Claim$ 1,331$ 1,624$ 29322%
Wisconsin1 Medical Claim$ 1,446$ 1,836$ 39027%
Wisconsin1 Theft Claim$ 1,331$ 1,639$ 30823%
Wisconsin1 Water Claim$ 1,331$ 1,649$ 31824%
Wisconsin1 Weather Claim$ 1,325$ 1,498$ 17313%
Wisconsin1 Weather Claims$ 1,286$ 1,680$ 39430%
Wisconsin2 Fire Claims$ 1,295$ 1,950$ 65549%
Wisconsin2 Liability Claims$ 1,295$ 1,825$ 53041%
Wisconsin2 Medical Claims$ 1,446$ 2,126$ 68048%
Wisconsin2 Theft Claims$ 1,295$ 1,827$ 53241%
Wisconsin2 Water Claims$ 1,295$ 1,856$ 56143%
West Virginia1 Fire Claim$ 1,869$ 2,670$ 80141%
West Virginia1 Liability Claim$ 1,869$ 2,403$ 53427%
West Virginia1 Medical Claim$ 1,945$ 2,089$ 1458%
West Virginia1 Theft Claim$ 1,869$ 2,537$ 66835%
West Virginia1 Water Claim$ 1,869$ 2,398$ 52929%
West Virginia1 Weather Claim$ 1,904$ 2,207$ 30316%
West Virginia1 Weather Claims$ 1,873$ 2,609$ 73637%
West Virginia2 Fire Claims$ 1,844$ 3,736$ 1,89295%
West Virginia2 Liability Claims$ 1,844$ 3,161$ 1,31666%
West Virginia2 Medical Claims$ 1,945$ 2,245$ 30015%
West Virginia2 Theft Claims$ 1,844$ 3,391$ 1,54777%
West Virginia2 Water Claims$ 1,844$ 3,061$ 1,21667%
Wyoming1 Fire Claim$ 1,747$ 2,112$ 36520%
Wyoming1 Liability Claim$ 1,747$ 2,013$ 26617%
Wyoming1 Medical Claim$ 2,011$ 2,204$ 1939%
Wyoming1 Theft Claim$ 1,747$ 1,989$ 24215%
Wyoming1 Water Claim$ 1,747$ 2,080$ 33317%
Wyoming1 Weather Claim$ 1,503$ 1,539$ 362%
Wyoming1 Weather Claims$ 1,747$ 1,840$ 937%
Wyoming2 Fire Claims$ 1,747$ 2,535$ 78844%
Wyoming2 Liability Claims$ 1,747$ 2,287$ 54034%
Wyoming2 Medical Claims$ 2,011$ 2,358$ 34715%
Wyoming2 Theft Claims$ 1,747$ 2,287$ 54034%
Wyoming2 Water Claims$ 1,747$ 2,454$ 70738%

 

Do insurers view home insurance claims differently?

Yes, insurers have their own underwriting processes, so some insurers increase your rates higher than others if you file an insurance claim.

“Generally, whatever your insurer’s policy is and whatever their internal guidelines are will dictate what the impact of a claim will be,” Bach says.

When to file a home insurance claim — and when not

One important rule of thumb for filing a claim is to look at the cost compared to your deductible. If the claim’s potential cost is less than your deductible, it’s better to pay out of pocket. That’s especially true if this isn’t your first insurance claim.

However, one exception is liability claims. It’s usually a good idea to file liability claims if you’re concerned that you’ll get sued.

Insight:

If the claim is below your deductible, you definitely do not want to file it — there’s nothing to be gained. Unless someone gets injured and there’s a possibility, they may sue you. In that case, you need to let your insurer know. -Amy Bach, executive director of United Policyholders, a consumer advocacy group.

If you’re concerned about maintaining an affordable homeowners insurance rate, especially after filing a claim, consider carrying a higher deductible to reduce your premium. Increasing your deductible can save you hundreds of dollars annually.

Making improvements to your home also can help. But Bach stresses that it’s even more critical to be a knowledgeable consumer.

“We always encourage people to ask the question, ‘what are your rules, so that I know and can make informed decisions,’” Bach says.

What else increases home insurance rates?

Beyond claims, homeowners insurance premiums can increase for several reasons, such as:

  • More homeowners insurance claims in your area
  • Extreme weather
  • A crumbling roof
  • A pool, hot tub or outdoor spa
  • Pets
  • Age and construction of home
  • Credit history

More claims in your area

When you renew your insurance policy, you may receive a higher rate if an insurance company views your area as a higher risk. This can be due to more burglaries or thefts in the area. You also might encounter higher home insurance premiums if your area is more susceptible to extreme weather, such as hurricanes and tornadoes.

Home upkeep issues

If your home needs repairs, this can increase your homeowners insurance premiums, too. An old roof or a bad foundation are potential safety hazards. Those issues make it more likely you’ll claim a loss. Hence, the higher rates.

Features in your home

Certain features of your home can also increase your insurance rate. Having a pool, hot tub or outdoor spa can increase your homeowners insurance premiums. Those items create greater liability and a risk of injury or death. From 2005-2014, there were more than 3,500 unintentional drownings in the U.S. It’s part of the reason the Insurance Information Institute recommends homeowners increase their liability coverage from $300,000 to $500,000.

Pets

The type of pet you own additionally affects your rate. Companies may have an exclusion list for certain breeds of dogs and exotic pets. Depending on the breed, certain companies may not insure you. Others may view you as more of a risk and lead to higher rates.

Construction of home

The age and construction of your home are two other factors that affect your rate. The average construction costs in your area and whether your home is new affect its rebuilding costs. New construction homes get a 40% homeowners insurance discount on average. Older homes may be more expensive to rebuild because the materials used to reconstruct them can be more costly and not as readily available as newer construction materials.

Poor credit

Similar to other forms of insurance and consumer loans, poor credit history can lead to higher rates. Insurer use what’s known as an insurance score based on your credit history to determine your risk level. A history of late payments or high outstanding debt may indicate to an insurance company you’re risky to insure. To offset this risk, a homeowners insurance company may charge you a higher rate.

But your claims history could be even more important than all these factors in what you pay. Be careful not to file home insurance claims unless it’s absolutely necessary. Otherwise, you’ll pay more for your home insurance policy.

Does a roof claim raise insurance premiums? 

Yes, just like any other insurance claim, a roof-related claim may mean higher homeowners insurance rates. 

Home insurance companies place great importance on roofs. They want to ensure your roof is in good order. Home insurance companies occasionally send appraisers to review their insured properties to make sure they’re in good working order. 

They check the home from the street to see if there are any issues that may happen, such as a giant overhanging tree or cracked and bent shingles. 

Your home insurance company may notify you if it finds an issue that it wants addressed. For instance, the insurance company may request that you replace a roof if it’s showing wear.

Home insurance companies typically believe that a roof’s life is about 20 to 25 years. If your roof is about that age, your insurer may request that you fix the roof or it will stop coverage. 

How long does a claim affect your home insurance? 

Home insurance companies usually keep your claims on your record for between five and seven years. 

Having claims on your record means higher home insurance rates. It also may mean higher home insurance premiums if you shop around for a new insurance policy. 

Home insurance companies will look back at least five years of your claims history through CLUE. The CLUE report also includes information about claims of your property before you bought your home. Insurance companies usually limit that lookback to five years. 

How many insurance claims are too many? 

There is no limit to the number of insurance claims you can file with your insurer. But most companies will stop providing insurance coverage to you after three claims in a three-year period, no matter what type of claim you file. 

Does hail damage claim raise home insurance rates? 

It depends. Since hail damage to your home is not your fault, then your insurance company will not increase your rates. But if you have filed a claim in the past three years and this new hail damage is your second claim, then your rates may go up. 

Insurance.com in 2020 commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with an excellent insurance score; new business HO3 insurance policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value.

Frequently asked questions

Does filing a home insurance claim hurt you?

Filing a home insurance claim may increase your insurance costs and it’s worth considering whether you should you file an insurance claim. Sometimes it is best not to file a claim and cover the damages on your own.

Can homeowners insurance drop you?

If you complete 60 days period after purchasing your home insurance policy, then your insurer cannot cancel it. But after that, if you fail to pay the premium or have committed fraud on a claim before, then insurers can drop you.

Policies are renewed annually but dropping them is a possibility. If you file claims significant enough that your insurer may think of not taking the risk of insuring your home and they can decide not to renew your insurance policy.

Which claims are more likely to result in a rate increase or non-renewal?

Insurance companies consider some claims as more severe than others because certain types of damages or losses are more likely to happen again than other types. But filing a claim for water damages or mold claims may trigger an increase in your rates as well as the possibility that you will be dropped by your insurance company if it is deemed too risky.

It’s important to consider your deductible when filing a claim. And filing a claim on your homeowners’ policy might not be worth if you have to pay more than the amount of your deductible.

How to lower your home insurance rates?

Home insurance rates may increase due to different reasons but there are some of the ways to lower your home insurance rates-

  • Bundle your policies:You can buy your auto and home insurance policy from the same insurance company to get a discount.
  • Increase your deductible:The deductible is the amount you have to pay before your insurance company starts to cover a claim. A higher deductible means less monthly payments and more savings in premiums.
  • Look for discounts:Companies offer various types of discounts, but not all of them provide the same type and/or amount in each state.
  • Improve your credit score:The insurer may use credit information to price your policy. Therefore, maintaining a sound credit score can help you save on insurance.

Can insurance companies raise your rates after a claim?

Yes, an insurance company can increase your rates after a claim, but it depends on the type of claim and how many times you’ve filed a claim.

Does homeowners insurance go up every year?

Insurance rates can fluctuate year to year, although it varies by insurer and property. If you have a bad credit score, filed 2 or more claims within a year or you have made major improvements in your home, it increases the cost of your home and thus it may result in the increased insurance rates.

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Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

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