Claim history is a big factor for insurance companies but just because you have a claim doesn't mean your rate is going to increase. Several factors are used to determine a rate including the length of time you have been with an insurance company, credit, type of claim filed, amount of claim, castrophe claims ect.
Homeowners insurance is designed to cover "sudden and accidental" losses. It is not a maintenance policy and you do not want to file small claims. Filing frequent, small claims will cause your rate to increase or your policy may be cancelled.
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Homeowners insurance is designed to cover "sudden and accidental" losses. It is not a maintenance policy and you do not want to file small claims. Filing frequent, small claims will cause your rate to increase or your policy may be cancelled.