{"id":23031,"date":"2026-01-23T22:53:06","date_gmt":"2026-01-23T22:53:06","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23031"},"modified":"2026-01-23T22:53:07","modified_gmt":"2026-01-23T22:53:07","slug":"does-homeowners-insurance-go-up-after-a-claim","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23031","title":{"rendered":"Does Homeowners Insurance Go Up After a Claim?"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<div id=\"block_305349d2e25330d865d67dfa88058ab2\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Your homeowners insurance premium may increase after a successful claim.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The severity of the claim can impact the amount of the increase.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Looking for discounts and shopping around are two ways to keep your rate reasonable.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>You\u2019ve probably heard that your insurance can go up if you file a claim, but how much damage is \u201cworth it\u201d to file a home insurance claim? The answer depends on your budget, claim type and claims history. While your home insurance rate can go up after a claim, home insurance is designed to pay for covered damage, so sometimes the increase is worth it, but if you live in an area where it\u2019s difficult to secure coverage, you may want to carefully consider a potential claim before you file one.\u00a0<\/p>\n<h2 id=\"how-much-does-your-homeowners-insurance-increase-after-a-claim\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How much does your homeowners insurance increase after a claim?\" data-outcome=\"\"><strong>How much does your homeowners insurance increase after a claim?<\/strong><\/h2>\n<p>How much home insurance goes up after a claim will depend on a few things. The severity of the claim is one of the most important. In general, the more expensive your claim is, the more your insurance company could raise your premium.<\/p>\n<p>Different carriers adjust rates differently depending on the nature and severity of the claim, so it\u2019s tough to say how different claim types affect rates.<\/p>\n<p>Regardless, not all home insurance claims are weighed equally. How much \u2014 or even, if at all \u2014 your home insurance goes up after a claim will depend on:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Your personal claims history<\/strong>: Homeowners with extensive claims histories may be seen as high-risk and be charged higher rates.<\/li>\n<li>\n<strong>Claim size<\/strong>: A $30,000 claim will likely affect your rate more than a $5,000 one.<\/li>\n<li>\n<strong>Type of claim<\/strong>: Different types of claims signal different kinds of risk. Carriers often raise rates more for claims that are due to homeowner negligence or claims that are commonly recurring, like vandalism.<\/li>\n<li>\n<strong>Your state<\/strong>: Some states regulate how filing a claim can affect your insurance policy. Remember, home insurance is managed by state (not federal) governments.<\/li>\n<li>\n<strong>Your insurance company<\/strong>: Different insurers each have their own ways of calculating your rate. To one insurer, a certain kind of claim may not be that big of a deal. But, to another, it could raise your premium significantly.<\/li>\n<li>\n<strong>Your policy specifics<\/strong>: Some home insurance policies offer add-ons like claim forgiveness or a rate lock, which can keep your premium level after you file a claim.<\/li>\n<\/ul>\n<p>Sometimes, your home insurance premium could go up not because you filed a claim, but because many people in your area did. For example, if multiple homeowners on your street file claims for home break-ins, that could signal to an insurance company that your street is a high-risk location. <\/p>\n<h3>Claim type vs. average rate increase<\/h3>\n<p>The average cost of home insurance for a homeowner without any claims is $2,424 for a policy with a $300,000 dwelling limit as of November 2025. The table below illustrates how the cost of home insurance after a claim can increase, based on our analysis of average rates from Quadrant Information Services.\u00a0<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--stripedOdd Table--spacing1 align-middle has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th><strong>Type of claim<\/strong><\/th>\n<th><strong>Dollar amount of claim paid out*<\/strong><\/th>\n<th><strong>Average annual rate after a claim*<\/strong><\/th>\n<th><strong>Percent increase<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Wind<\/td>\n<td>$12,000<\/td>\n<td>$2,548<\/td>\n<td>5%<\/td>\n<\/tr>\n<tr>\n<td>Liability<\/td>\n<td>$31,000<\/td>\n<td>$2,556<\/td>\n<td>5%<\/td>\n<\/tr>\n<tr>\n<td>Theft<\/td>\n<td>$5,000<\/td>\n<td>$2,574<\/td>\n<td>6%<\/td>\n<\/tr>\n<tr>\n<td>Fire<\/td>\n<td>$80,000<\/td>\n<td>$2,561<\/td>\n<td>6%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><em>*Average rates based on a claim filed on a home insurance policy with $300,000 in dwelling coverage.<\/em><\/p>\n<h2 id=\"why-do-insurance-premiums-go-up-after-filing-a-claim\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Why do insurance premiums go up after filing a claim?\" data-outcome=\"\"><strong>Why do insurance premiums go up after filing a claim?<\/strong><\/h2>\n<p>With home insurance, the past is often used to determine the future. Meaning, if you\u2019ve filed a claim before, your insurance company could see you as more likely to do so again. Some claims cost insurance companies quite a bit of money; to account for the risk of this loss occurring again, an insurance company may charge you a higher rate.\u00a0<\/p>\n<p>Whether or not your insurance premium increases after a claim is situational. Certain types of claims affect insurance rates more than others. You should expect your homeowners insurance to go up after a claim if you fall into any of the following categories:<\/p>\n<ul class=\"wp-block-list\">\n<li>You live in an area with severe weather<\/li>\n<li>Your home is located in a high-crime area<\/li>\n<li>You have filed home insurance claims in the past<\/li>\n<li>You own a home with a history of claims<\/li>\n<\/ul>\n<p><strong>Learn more: <\/strong>Factors that impact the cost of homeowners insurance<\/p>\n<h2 id=\"how-long-does-a-claim-affect-home-insurance-rates\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How long does a claim affect home insurance rates?\" data-outcome=\"\"><strong>How long does a claim affect home insurance rates?<\/strong><\/h2>\n<p>Unlike the ghost living in your spooky attic, a claim won\u2019t haunt you forever. How long a homeowners insurance claim stays on your record can vary, but is usually no longer than seven years. After that time, your rate should begin to level out. To check if a claim is lingering on your record, you can request a Comprehensive Loss Underwriting Exchange (CLUE) report. A CLUE report will detail previous claims filed for a particular property and is used by many insurance companies when setting rates. If there\u2019s an error on your home\u2019s CLUE report, it could be making your policy more expensive, so it could pay to check yours out.<\/p>\n<p>Note that even if you haven\u2019t filed a claim in a long time (or ever) your rates may continue to climb if your home is in a high risk area \u2014 like one with a lot of severe weather, theft or vandalism.<\/p>\n<h2 id=\"are-there-times-when-companies-are-not-allowed-to-increase-rates-after-a-claim\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Are there times when companies are not allowed to increase rates after a claim?\" data-outcome=\"\"><strong>Are there times when companies are not allowed to increase rates after a claim?<\/strong><\/h2>\n<p>There are certain situations when an insurance company may not be allowed to raise your rate after filing a claim. Because insurers are regulated at the state level, consumer protection laws vary based on your location. For example, in Texas, your home insurer cannot raise your rate for a filed claim that is not covered and paid out.<\/p>\n<p>As a homeowner, it is important to understand the consumer protection laws in your state. You can contact your state\u2019s Department of Insurance (or equivalent governing body) to learn more about the restrictions where you live. You can also contact your insurance company to find out what situations are exempt from rate changes.<\/p>\n<h2 id=\"when-is-it-worth-it-to-file-a-home-insurance-claim\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"When is it worth it to file a home insurance claim?\" data-outcome=\"\"><strong>When is it worth it to file a home insurance claim?<\/strong><\/h2>\n<p>Just because your premium could go up doesn\u2019t mean you should never file a claim. It\u2019s more a matter of knowing when it\u2019s financially in your best interest to do so. It could take a while for your home insurance premium to get back to its pre-claim level, so you may be shouldering a surcharge for a while. If you\u2019re not sure whether or not you should file a claim, you might want to ask yourself the following:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Is the damage I\u2019m claiming higher than my deductible?<\/strong> Your deductible is the amount of money you are financially responsible for after a covered loss. If your home repair costs are lower or close to your policy deductible, it may not be worth it to file a claim and face a premium surcharge.<\/li>\n<li>\n<strong>Can I afford the repairs without insurance? <\/strong>Of course, for major repairs, you\u2019ll probably want to rely on your policy instead of dipping into your own pockets. But, for smaller things, like a few broken windows, you may consider paying out of pocket.<\/li>\n<li>\n<strong>Does what I\u2019m claiming have long-term benefits or ramifications?<\/strong> Something like a full roof replacement or brand-new kitchen could help you sell your home later on, so filing a claim might make sense as the long-term benefit could offset the cost eventually.\u00a0<\/li>\n<\/ul>\n<div class=\"BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0\">\n<blockquote class=\"BlockQuote-text text-center md:text-left\"><p>\n        <q>Smaller issues, like a broken window or a few missing shingles, might have repair costs below your deductible and can be handled out-of-pocket. But major losses, like a fire or a roof collapse, can easily cost tens of thousands of dollars to repair. If that kind of expense would strain your finances, filing a claim makes sense.<\/q><br \/>\n                    <cite class=\"PullQuote-cite text-gray-900 ml-0 md:ml-4\"><br \/>\n                \u2014 Shannon Martin, Bankrate insurance expert<br \/>\n            <\/cite>\n            <\/p><\/blockquote>\n<\/div>\n<h2 id=\"frequently-asked-questions\" data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\"><strong>Frequently asked questions<\/strong><\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-can-you-keep-your-home-insurance-rates-from-going-up', 'heading-how-can-you-keep-your-home-insurance-rates-from-going-up']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-can-you-keep-your-home-insurance-rates-from-going-up')\" :aria-controls=\"$id('panel-how-can-you-keep-your-home-insurance-rates-from-going-up')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How can you keep your home insurance rates from going up?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-can-you-keep-your-home-insurance-rates-from-going-up')\" :aria-labelledby=\"$id('heading-how-can-you-keep-your-home-insurance-rates-from-going-up')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            As we noted above, it can be beneficial to avoid filing a claim if it would be near or only slightly above your deductible amount. You can also save money by improving your credit, as insurers often reward those who have good credit with lower rates, and by asking about discount opportunities. And if you are happy with your insurer, consider purchasing multiple policies from them (called bundling) like homeowners plus auto. Doing so may net you a substantial discount. Finally, shop around each year at renewal time to see if another company might offer you a lower premium. Just make sure to specify the same types of coverage and policy limits when requesting quotes to make a true apples-to-apples comparison.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-is-it-worth-claiming-on-my-home-insurance', 'heading-is-it-worth-claiming-on-my-home-insurance']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-is-it-worth-claiming-on-my-home-insurance')\" :aria-controls=\"$id('panel-is-it-worth-claiming-on-my-home-insurance')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is it worth claiming on my home insurance?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-is-it-worth-claiming-on-my-home-insurance')\" :aria-labelledby=\"$id('heading-is-it-worth-claiming-on-my-home-insurance')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            The short answer? It depends. As a rule of thumb, consider your deductible. If the repairs are significantly higher than your deductible, it may behoove you to file a claim. If you\u2019re not sure, you can always speak to a licensed agent.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-types-of-claims-most-affect-your-homeowners-insurance-premium', 'heading-what-types-of-claims-most-affect-your-homeowners-insurance-premium']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-types-of-claims-most-affect-your-homeowners-insurance-premium')\" :aria-controls=\"$id('panel-what-types-of-claims-most-affect-your-homeowners-insurance-premium')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What types of claims most affect your homeowners insurance premium?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-types-of-claims-most-affect-your-homeowners-insurance-premium')\" :aria-labelledby=\"$id('heading-what-types-of-claims-most-affect-your-homeowners-insurance-premium')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            The type of claims that most affect your premium vary from insurer to insurer; however, in general, high-cost claims can have more of an impact on the rate you pay. You may also raise red flags for your insurer if you file multiple claims over a short period, even if they are each for fairly small amounts. If a claim is for an amount that is only slightly more than your deductible, you may avoid a rate surcharge by paying the repair bill yourself to avoid claiming it on your policy. Keep in mind that the average property damage claim payout between 2018 and 2022 was $15,747, while fire and lightning claims had average payouts of $83,991. A small claim for a few thousand dollars may not be worth filing when compared to these averages.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-i-filed-a-claim-when-will-my-home-insurance-rates-go-up', 'heading-i-filed-a-claim-when-will-my-home-insurance-rates-go-up']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-i-filed-a-claim-when-will-my-home-insurance-rates-go-up')\" :aria-controls=\"$id('panel-i-filed-a-claim-when-will-my-home-insurance-rates-go-up')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    I filed a claim. When will my home insurance rates go up?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-i-filed-a-claim-when-will-my-home-insurance-rates-go-up')\" :aria-labelledby=\"$id('heading-i-filed-a-claim-when-will-my-home-insurance-rates-go-up')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            If your home insurance rates go up after filing a claim, it won\u2019t be reflected in your policy until it is up for renewal. Most home insurance policies renew annually. So, when your renewal letter rolls around, make sure to check and see how your rate compares to your previous payments. If you\u2019re unhappy with the increased rates after a claim, it might be wise to shop around for a new provider that doesn\u2019t weigh your claims history as heavily.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<h2 id=\"methodology\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Methodology\" data-outcome=\"\"><strong>Methodology<\/strong><\/h2>\n<p>Bankrate utilizes Quadrant Information Services to analyze November 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Coverage A, Dwelling:<\/strong> $300,000<\/li>\n<li>\n<strong>Coverage B, Other Structures:<\/strong> $30,000<\/li>\n<li>\n<strong>Coverage C, Personal Property:<\/strong> $150,000<\/li>\n<li>\n<strong>Coverage D, Loss of Use:<\/strong> $60,000<\/li>\n<li>\n<strong>Coverage E, Liability: <\/strong>$500,000<\/li>\n<li>\n<strong>Coverage F, Medical Payments:<\/strong> $1,000<\/li>\n<\/ul>\n<p>The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.\u00a0<\/p>\n<p>These are sample rates and should be used for comparative purposes only. Your quotes will differ.<\/p>\n<p>If otherwise specified, the base profile has been modified with the following homeowner characteristics:<\/p>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-dwelling-coverage', 'heading-dwelling-coverage']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-dwelling-coverage')\" :aria-controls=\"$id('panel-dwelling-coverage')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Dwelling coverage<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-dwelling-coverage')\" :aria-labelledby=\"$id('heading-dwelling-coverage')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<ul>\n<li>\n<strong>Coverage A, Dwelling:<\/strong> $150,000, $350,000, $450,000, $750,000<\/li>\n<\/ul>\n<ul>\n<li>\n<strong>Coverage B, Other Structures:<\/strong> $15,000, $35,000, $45,000, $75,000<\/li>\n<\/ul>\n<ul>\n<li>\n<strong>Coverage C, Personal Property:<\/strong> $75,000, $175,000, $225,000, $375,000<\/li>\n<\/ul>\n<ul>\n<li>\n<strong>Coverage D, Loss of Use:<\/strong> $30,000, $70,000, $90,000, $150,000<\/li>\n<\/ul>\n<ul>\n<li>\n<strong>Coverage E, Liability: <\/strong>$500,000<\/li>\n<\/ul>\n<ul>\n<li>\n<strong>Coverage F, Medical Payments:<\/strong> $1,000<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-credit', 'heading-credit']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-credit')\" :aria-controls=\"$id('panel-credit')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Credit<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-credit')\" :aria-labelledby=\"$id('heading-credit')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Rates were calculated based on the following insurance credit tiers assigned to our homeowners: \u201cpoor, average, good (base) and excellent.\u201d Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-claims', 'heading-claims']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-claims')\" :aria-controls=\"$id('panel-claims')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Claims<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-claims')\" :aria-labelledby=\"$id('heading-claims')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Rates were calculated based on the following insurance claims assigned to our homeowners: \u201cfire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).\u201d\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-year-built', 'heading-year-built']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-year-built')\" :aria-controls=\"$id('panel-year-built')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Year built<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-year-built')\" :aria-labelledby=\"$id('heading-year-built')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-deductible', 'heading-deductible']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-deductible')\" :aria-controls=\"$id('panel-deductible')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Deductible<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-deductible')\" :aria-labelledby=\"$id('heading-deductible')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"2ENG9nUSe6\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Down Icon<\/default:title><default:path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/insurance\/homeowners-insurance\/does-homeowners-insurance-go-up-after-a-claim\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Your homeowners insurance premium may increase after a successful claim. The severity of the claim can impact the amount of the increase. Looking for discounts and shopping around are two ways to keep your rate reasonable. You\u2019ve probably heard that your insurance can go up if you file a claim, but how much<\/p>\n","protected":false},"author":1,"featured_media":23032,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23031","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Homeowners Insurance Go Up After a Claim? | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Key takeaways Your homeowners insurance premium may increase after a successful claim. The severity of the claim can impact the amount of the increase.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=23031\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does Homeowners Insurance Go Up After a Claim? | BudgetADirect\" \/>\n<meta property=\"og:description\" content=\"Key takeaways Your homeowners insurance premium may increase after a successful claim. 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