Does A Claim Affect Home Insurance?

  1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    It can, yes.  Many companies offer a "Claim Free" discount if you have not filed a claim is say, 5 years.  If you do suffer a loss and then have to file a claim, it is more than likely that if your company had been providing such a discount, that discount would be removed at your next renewal causing your premium to increase. Other companies may apply a surcharge based upon the type of claim you filed which would also affect your premium.
    Answered on July 26, 2013
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