Having a ClaimYour Home Insurance claim may impact your future Home Insurance Rates since your insurance company may consider you a higher risk after your claim. It should not be always the case but based on many feedbacks of InsurEye users, many of them experienced premium increases after their claims. Nevertheless, some insurers may offer special conditions such as claim forgiveness for those who e.g. had the first claim.

For the small claims, the best strategy would be to understand if you can deal with case on your own, e.g. repair instead claim and submit claims only for the major issues. You also need to consider that in most cases you will be required to pay deductibles first and only afterwards insurance coverage kicks in. It means that if your deductibles are high (e.g. $2,500 or $5,000), you will need to pay a significant amount.

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