How Long Does A Claim Stay On Your Home Insurance?

  1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Most companies will typically use claims up to 5 years old for rating purposes. The actually claim history that is received by the carrier may reflect claims that are more than 5 years old but they are normally not used for rating. Please remember each carrier is different. Each has there own risk tolerance. Work with a local agent and they will help you find the coverage that will work best for you.
    Answered on May 22, 2013
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