Will my homeowners insurance go up if I file a claim?

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Filing a home insurance claim can impact your rates, but how much depends on the type of claim and how many claims you have filed in the past.

Homeowners file claims for everything from water damage and weather-related property damage to theft, fire and lightning damage and personal liability. Not every claim has the same impact on rates.

It’s important to consider the potential impact on your home insurance rates before you file a claim.

Key Takeaways

Home insurance claims increases your insurance rates, and the increase depends on the type of claim, the amount of the settlement and the number of claims filed in recent years.
You can raise your deductible to reduce your home insurance premium after filing a claim.
If the claim’s potential cost is less than your deductible, it is better to avoid filling a claim and pay out of pocket.

Will my homeowners insurance go up if I file a claim?

Yes, in general, homeowners insurance rates increase after you file a claim. The increase depends on the type of claim, how much the insurance company paid and how many claims you have filed. Insurers have their own underwriting processes, so some insurers increase your rates higher than others if you file an insurance claim.

“Generally, whatever your insurer’s policy is and whatever their internal guidelines are will dictate what the impact of a claim will be,” Bach says.

Insurance claim history can increase your rate in several ways.

If you have a history of filing claims at previous homes or places you lived, a home insurance company may increase your rate. In that case, the insurance company views you as riskier and thinks you’re more apt to file an insurance claim.

It’s important to consider whether filing the claim is worth the increase in price, especially for a smaller claim.

“Because all claims get reported to the CLUE database — the Comprehensive Loss and Underwriting Exchange — the safest thing for a consumer is not to file small claims and pay for them out of pocket, [just] to be sure it won’t affect you,” says Amy Bach, executive director of United Policyholders, a consumer advocacy group.

Bach says part of the challenge is that the process home insurance companies use to determine how claims affect rates isn’t transparent. Since each insurer has its own underwriting guidelines and rating rules, it’s almost impossible for consumers to get a straight answer about how claims will be factored into their rate.

However, the worse your risk profile looks and the more claims on your record, the less attractive you are to an insurer. Through CLUE, insurers can access information on the frequency and type of claims you file — two variables that can increase your rates.

How much do home insurance rates go up after a claim?

Filing a single claim over a five-year period may lead to premium increases. However, a second claim will increase your home insurance rates even more.

Here’s a look at the average increase by type of claim, starting with the biggest increase:

Filing a second fire claim — 60%
Filing a second theft claim — 55%
Filing a second liability claim — 52%
Filing a second water damage claim — 50%
Filing a second medical claim — 34%
Filing a second weather claim — 29%
Filing a fire claim — 29%
Filing a theft claim — 27%
Filing a liability claim — 25%
Filing a water claim — 25%
Filing a medical claim — 18%
Filing a weather claim — 17%

How much do claims increase home insurance rates in your state?

Home insurance rates can vary significantly from one state to another and even from one city to the next. The table below shows how filing different types of claims can increase home insurance rates in your state.

State	Type of claim	Premium before claim	Premium after claim	$ Difference	% Difference
Alaska	1 Fire Claim	$ 1,413	$ 2,030	$ 618	39%
Alaska	1 Liability Claim	$ 1,413	$ 2,030	$ 618	39%
Alaska	1 Medical Claim	$ 1,413	$ 1,609	$ 196	14%
Alaska	1 Theft Claim	$ 1,413	$ 2,030	$ 618	39%
Alaska	1 Water Claim	$ 1,413	$ 1,803	$ 391	27%
Alaska	1 Weather Claim	$ 1,427	$ 1,730	$ 303	19%
Alaska	1 Weather Claims	$ 1,427	$ 1,956	$ 529	31%
Alaska	2 Fire Claims	$ 1,413	$ 2,619	$ 1,207	77%
Alaska	2 Liability Claims	$ 1,413	$ 2,619	$ 1,207	77%
Alaska	2 Medical Claims	$ 1,413	$ 1,609	$ 196	14%
Alaska	2 Theft Claims	$ 1,413	$ 2,619	$ 1,207	77%
Alaska	2 Water Claims	$ 1,413	$ 2,271	$ 859	59%
Alabama	1 Fire Claim	$ 2,610	$ 3,460	$ 850	32%
Alabama	1 Liability Claim	$ 2,610	$ 3,371	$ 761	28%
Alabama	1 Medical Claim	$ 2,388	$ 2,749	$ 362	17%
Alabama	1 Theft Claim	$ 2,610	$ 3,404	$ 794	30%
Alabama	1 Water Claim	$ 2,610	$ 3,365	$ 755	28%
Alabama	1 Weather Claim	$ 2,345	$ 2,603	$ 258	12%
Alabama	1 Weather Claims	$ 2,345	$ 2,603	$ 258	12%
Alabama	2 Fire Claims	$ 2,610	$ 4,172	$ 1,562	61%
Alabama	2 Liability Claims	$ 2,610	$ 3,965	$ 1,355	50%
Alabama	2 Medical Claims	$ 2,388	$ 2,925	$ 537	25%
Alabama	2 Theft Claims	$ 2,610	$ 4,050	$ 1,440	53%
Alabama	2 Water Claims	$ 2,610	$ 3,941	$ 1,331	48%
Arkansas	1 Fire Claim	$ 3,462	$ 4,675	$ 1,213	33%
Arkansas	1 Liability Claim	$ 3,469	$ 4,376	$ 907	23%
Arkansas	1 Medical Claim	$ 2,813	$ 3,197	$ 385	12%
Arkansas	1 Theft Claim	$ 3,462	$ 4,405	$ 943	25%
Arkansas	1 Water Claim	$ 3,462	$ 4,487	$ 1,025	28%
Arkansas	1 Weather Claim	$ 2,336	$ 2,601	$ 265	10%
Arkansas	1 Weather Claims	$ 2,336	$ 2,601	$ 265	10%
Arkansas	2 Fire Claims	$ 3,462	$ 5,894	$ 2,432	74%
Arkansas	2 Liability Claims	$ 3,462	$ 5,126	$ 1,664	50%
Arkansas	2 Medical Claims	$ 2,813	$ 3,381	$ 568	20%
Arkansas	2 Theft Claims	$ 3,462	$ 5,271	$ 1,809	56%
Arkansas	2 Water Claims	$ 3,462	$ 5,321	$ 1,859	55%
Arizona	1 Fire Claim	$ 1,862	$ 2,453	$ 591	33%
Arizona	1 Liability Claim	$ 1,862	$ 2,361	$ 499	27%
Arizona	1 Medical Claim	$ 2,007	$ 2,288	$ 281	16%
Arizona	1 Theft Claim	$ 1,862	$ 2,379	$ 517	30%
Arizona	1 Water Claim	$ 1,862	$ 2,423	$ 561	31%
Arizona	1 Weather Claim	$ 2,040	$ 2,410	$ 369	17%
Arizona	1 Weather Claims	$ 2,008	$ 2,541	$ 533	28%
Arizona	2 Fire Claims	$ 1,862	$ 2,923	$ 1,061	62%
Arizona	2 Liability Claims	$ 1,862	$ 2,749	$ 887	52%
Arizona	2 Medical Claims	$ 2,007	$ 2,413	$ 406	23%
Arizona	2 Theft Claims	$ 1,862	$ 2,763	$ 901	55%
Arizona	2 Water Claims	$ 1,862	$ 2,872	$ 1,010	59%
California	1 Fire Claim	$ 1,380	$ 1,835	$ 455	33%
California	1 Liability Claim	$ 1,380	$ 1,773	$ 392	28%
California	1 Medical Claim	$ 1,442	$ 1,705	$ 262	18%
California	1 Theft Claim	$ 1,380	$ 1,818	$ 438	32%
California	1 Water Claim	$ 1,420	$ 1,863	$ 443	31%
California	1 Weather Claim	$ 1,347	$ 1,617	$ 270	20%
California	1 Weather Claims	$ 1,347	$ 1,919	$ 573	41%
California	2 Fire Claims	$ 1,380	$ 2,278	$ 897	66%
California	2 Liability Claims	$ 1,380	$ 2,170	$ 790	58%
California	2 Medical Claims	$ 1,442	$ 1,909	$ 467	31%
California	2 Theft Claims	$ 1,380	$ 2,241	$ 861	64%
California	2 Water Claims	$ 1,420	$ 2,317	$ 897	65%
Colorado	1 Fire Claim	$ 3,145	$ 4,155	$ 1,010	33%
Colorado	1 Liability Claim	$ 3,108	$ 3,911	$ 803	25%
Colorado	1 Medical Claim	$ 2,648	$ 2,981	$ 333	14%
Colorado	1 Theft Claim	$ 3,088	$ 3,949	$ 860	27%
Colorado	1 Water Claim	$ 3,094	$ 3,989	$ 894	29%
Colorado	1 Weather Claim	$ 3,108	$ 3,590	$ 482	14%
Colorado	1 Weather Claims	$ 3,108	$ 3,811	$ 703	21%
Colorado	2 Fire Claims	$ 3,130	$ 4,778	$ 1,648	56%
Colorado	2 Liability Claims	$ 3,108	$ 4,496	$ 1,388	46%
Colorado	2 Medical Claims	$ 2,628	$ 3,172	$ 544	23%
Colorado	2 Theft Claims	$ 3,082	$ 4,494	$ 1,412	47%
Colorado	2 Water Claims	$ 3,094	$ 4,524	$ 1,430	48%
Connecticut	1 Fire Claim	$ 1,754	$ 2,273	$ 519	30%
Connecticut	1 Liability Claim	$ 1,754	$ 2,257	$ 504	29%
Connecticut	1 Medical Claim	$ 1,846	$ 2,242	$ 396	22%
Connecticut	1 Theft Claim	$ 1,754	$ 2,274	$ 521	30%
Connecticut	1 Water Claim	$ 1,754	$ 2,198	$ 445	25%
Connecticut	1 Weather Claim	$ 1,755	$ 2,115	$ 360	20%
Connecticut	1 Weather Claims	$ 1,755	$ 2,491	$ 736	41%
Connecticut	2 Fire Claims	$ 1,754	$ 2,917	$ 1,163	68%
Connecticut	2 Liability Claims	$ 1,754	$ 2,881	$ 1,128	66%
Connecticut	2 Medical Claims	$ 1,846	$ 2,793	$ 947	54%
Connecticut	2 Theft Claims	$ 1,754	$ 2,916	$ 1,163	69%
Connecticut	2 Water Claims	$ 1,754	$ 2,833	$ 1,080	62%
Washington D.C.	1 Fire Claim	$ 1,368	$ 1,860	$ 492	38%
Washington D.C.	1 Liability Claim	$ 1,368	$ 1,798	$ 430	33%
Washington D.C.	1 Medical Claim	$ 1,193	$ 1,667	$ 473	42%
Washington D.C.	1 Theft Claim	$ 1,368	$ 1,816	$ 449	34%
Washington D.C.	1 Water Claim	$ 1,368	$ 1,713	$ 345	27%
Washington D.C.	1 Weather Claim	$ 1,246	$ 1,408	$ 163	14%
Washington D.C.	1 Weather Claims	$ 1,291	$ 1,869	$ 578	48%
Washington D.C.	2 Fire Claims	$ 1,368	$ 2,418	$ 1,050	77%
Washington D.C.	2 Liability Claims	$ 1,368	$ 2,321	$ 953	71%
Washington D.C.	2 Medical Claims	$ 1,193	$ 1,839	$ 646	58%
Washington D.C.	2 Theft Claims	$ 1,368	$ 2,362	$ 994	73%
Washington D.C.	2 Water Claims	$ 1,368	$ 2,033	$ 666	50%
Delaware	1 Fire Claim	$ 1,247	$ 1,527	$ 280	23%
Delaware	1 Liability Claim	$ 1,247	$ 1,498	$ 251	21%
Delaware	1 Medical Claim	$ 1,389	$ 1,617	$ 229	17%
Delaware	1 Theft Claim	$ 1,247	$ 1,508	$ 260	21%
Delaware	1 Water Claim	$ 1,247	$ 1,432	$ 184	15%
Delaware	1 Weather Claim	$ 1,247	$ 1,371	$ 124	10%
Delaware	1 Weather Claims	$ 1,247	$ 1,522	$ 274	22%
Delaware	2 Fire Claims	$ 1,247	$ 2,091	$ 844	69%
Delaware	2 Liability Claims	$ 1,247	$ 1,868	$ 621	50%
Delaware	2 Medical Claims	$ 1,389	$ 1,767	$ 378	27%
Delaware	2 Theft Claims	$ 1,247	$ 1,864	$ 616	52%
Delaware	2 Water Claims	$ 1,247	$ 1,848	$ 601	47%
Florida	1 Fire Claim	$ 2,040	$ 2,465	$ 425	20%
Florida	1 Liability Claim	$ 2,040	$ 2,465	$ 425	20%
Florida	1 Medical Claim	$ 2,204	$ 2,605	$ 401	18%
Florida	1 Theft Claim	$ 2,040	$ 2,465	$ 425	20%
Florida	1 Water Claim	$ 2,040	$ 2,465	$ 425	20%
Florida	1 Weather Claim	$ 2,165	$ 2,421	$ 256	12%
Florida	1 Weather Claims	$ 2,165	$ 2,487	$ 322	15%
Florida	2 Fire Claims	$ 2,040	$ 2,565	$ 524	25%
Florida	2 Liability Claims	$ 2,040	$ 2,565	$ 524	25%
Florida	2 Medical Claims	$ 2,204	$ 2,649	$ 445	20%
Florida	2 Theft Claims	$ 2,040	$ 2,565	$ 524	25%
Florida	2 Water Claims	$ 2,040	$ 2,565	$ 524	25%
Georgia	1 Fire Claim	$ 2,095	$ 2,696	$ 601	29%
Georgia	1 Liability Claim	$ 2,095	$ 2,625	$ 530	25%
Georgia	1 Medical Claim	$ 1,911	$ 2,250	$ 339	19%
Georgia	1 Theft Claim	$ 2,095	$ 2,652	$ 557	27%
Georgia	1 Water Claim	$ 2,095	$ 2,582	$ 487	23%
Georgia	1 Weather Claim	$ 1,929	$ 2,228	$ 299	15%
Georgia	1 Weather Claims	$ 1,935	$ 2,253	$ 318	17%
Georgia	2 Fire Claims	$ 2,095	$ 3,462	$ 1,367	66%
Georgia	2 Liability Claims	$ 2,095	$ 3,246	$ 1,151	55%
Georgia	2 Medical Claims	$ 1,911	$ 2,559	$ 648	36%
Georgia	2 Theft Claims	$ 2,095	$ 3,348	$ 1,253	60%
Georgia	2 Water Claims	$ 2,095	$ 3,012	$ 917	43%
Hawaii	1 Fire Claim	$ 550	$ 623	$ 73	14%
Hawaii	1 Liability Claim	$ 550	$ 623	$ 73	14%
Hawaii	1 Medical Claim	$ 569	$ 613	$ 44	8%
Hawaii	1 Theft Claim	$ 550	$ 623	$ 73	14%
Hawaii	1 Water Claim	$ 550	$ 623	$ 73	14%
Hawaii	1 Weather Claim	$ 536	$ 594	$ 58	12%
Hawaii	1 Weather Claims	$ 536	$ 628	$ 92	18%
Hawaii	2 Fire Claims	$ 550	$ 660	$ 110	21%
Hawaii	2 Liability Claims	$ 550	$ 660	$ 110	21%
Hawaii	2 Medical Claims	$ 569	$ 646	$ 77	14%
Hawaii	2 Theft Claims	$ 550	$ 660	$ 110	21%
Hawaii	2 Water Claims	$ 550	$ 660	$ 110	21%
Iowa	1 Fire Claim	$ 2,605	$ 3,579	$ 975	31%
Iowa	1 Liability Claim	$ 2,605	$ 3,388	$ 784	23%
Iowa	1 Medical Claim	$ 2,274	$ 2,691	$ 417	17%
Iowa	1 Theft Claim	$ 2,605	$ 3,524	$ 920	29%
Iowa	1 Water Claim	$ 2,605	$ 3,474	$ 870	27%
Iowa	1 Weather Claim	$ 2,649	$ 3,428	$ 778	20%
Iowa	1 Weather Claims	$ 2,649	$ 3,811	$ 1,162	37%
Iowa	2 Fire Claims	$ 2,605	$ 4,152	$ 1,547	57%
Iowa	2 Liability Claims	$ 2,605	$ 3,904	$ 1,299	45%
Iowa	2 Medical Claims	$ 2,274	$ 3,092	$ 818	35%
Iowa	2 Theft Claims	$ 2,605	$ 4,023	$ 1,419	51%
Iowa	2 Water Claims	$ 2,605	$ 3,999	$ 1,394	50%
Idaho	1 Fire Claim	$ 1,557	$ 2,136	$ 578	38%
Idaho	1 Liability Claim	$ 1,557	$ 2,062	$ 505	33%
Idaho	1 Medical Claim	$ 1,583	$ 1,931	$ 347	20%
Idaho	1 Theft Claim	$ 1,557	$ 2,114	$ 557	36%
Idaho	1 Water Claim	$ 1,557	$ 2,096	$ 539	35%
Idaho	1 Weather Claim	$ 1,574	$ 1,927	$ 354	23%
Idaho	1 Weather Claims	$ 1,557	$ 2,099	$ 542	36%
Idaho	2 Fire Claims	$ 1,557	$ 2,715	$ 1,158	78%
Idaho	2 Liability Claims	$ 1,557	$ 2,591	$ 1,034	69%
Idaho	2 Medical Claims	$ 1,583	$ 2,339	$ 755	45%
Idaho	2 Theft Claims	$ 1,557	$ 2,705	$ 1,148	76%
Idaho	2 Water Claims	$ 1,557	$ 2,590	$ 1,033	66%
Illinois	1 Fire Claim	$ 2,287	$ 3,027	$ 740	38%
Illinois	1 Liability Claim	$ 2,287	$ 2,974	$ 687	35%
Illinois	1 Medical Claim	$ 2,648	$ 3,151	$ 503	23%
Illinois	1 Theft Claim	$ 2,287	$ 3,005	$ 718	37%
Illinois	1 Water Claim	$ 2,287	$ 2,923	$ 636	31%
Illinois	1 Weather Claim	$ 2,259	$ 2,623	$ 365	19%
Illinois	1 Weather Claims	$ 2,269	$ 2,917	$ 647	34%
Illinois	2 Fire Claims	$ 2,287	$ 3,950	$ 1,663	87%
Illinois	2 Liability Claims	$ 2,287	$ 3,733	$ 1,446	75%
Illinois	2 Medical Claims	$ 2,648	$ 3,602	$ 955	46%
Illinois	2 Theft Claims	$ 2,287	$ 3,773	$ 1,486	79%
Illinois	2 Water Claims	$ 2,287	$ 3,619	$ 1,332	67%
Indiana	1 Fire Claim	$ 2,329	$ 2,869	$ 540	25%
Indiana	1 Liability Claim	$ 2,361	$ 2,950	$ 589	25%
Indiana	1 Medical Claim	$ 2,695	$ 3,061	$ 366	15%
Indiana	1 Theft Claim	$ 2,361	$ 2,864	$ 503	24%
Indiana	1 Water Claim	$ 2,361	$ 2,856	$ 496	23%
Indiana	1 Weather Claim	$ 2,377	$ 2,746	$ 369	16%
Indiana	1 Weather Claims	$ 2,327	$ 2,950	$ 623	30%
Indiana	2 Fire Claims	$ 2,286	$ 3,295	$ 1,008	51%
Indiana	2 Liability Claims	$ 2,319	$ 3,404	$ 1,086	50%
Indiana	2 Medical Claims	$ 2,695	$ 3,234	$ 539	26%
Indiana	2 Theft Claims	$ 2,319	$ 3,215	$ 896	46%
Indiana	2 Water Claims	$ 2,319	$ 3,344	$ 1,025	51%
Kansas	1 Fire Claim	$ 4,350	$ 5,559	$ 1,210	26%
Kansas	1 Liability Claim	$ 4,422	$ 5,519	$ 1,097	23%
Kansas	1 Medical Claim	$ 3,597	$ 4,267	$ 671	18%
Kansas	1 Theft Claim	$ 4,350	$ 5,482	$ 1,132	24%
Kansas	1 Water Claim	$ 4,422	$ 5,579	$ 1,157	24%
Kansas	1 Weather Claim	$ 3,977	$ 4,598	$ 621	15%
Kansas	1 Weather Claims	$ 3,977	$ 4,990	$ 1,013	24%
Kansas	2 Fire Claims	$ 4,350	$ 6,555	$ 2,206	49%
Kansas	2 Liability Claims	$ 4,422	$ 6,366	$ 1,943	41%
Kansas	2 Medical Claims	$ 3,595	$ 4,510	$ 915	25%
Kansas	2 Theft Claims	$ 4,350	$ 6,397	$ 2,047	44%
Kansas	2 Water Claims	$ 4,422	$ 6,486	$ 2,063	44%
Kentucky	1 Fire Claim	$ 2,458	$ 3,350	$ 891	35%
Kentucky	1 Liability Claim	$ 2,458	$ 3,281	$ 823	32%
Kentucky	1 Medical Claim	$ 2,482	$ 3,204	$ 722	27%
Kentucky	1 Theft Claim	$ 2,458	$ 3,320	$ 861	34%
Kentucky	1 Water Claim	$ 2,458	$ 3,152	$ 693	27%
Kentucky	1 Weather Claim	$ 2,538	$ 2,989	$ 450	18%
Kentucky	1 Weather Claims	$ 2,538	$ 3,482	$ 944	36%
Kentucky	2 Fire Claims	$ 2,458	$ 4,538	$ 2,080	80%
Kentucky	2 Liability Claims	$ 2,458	$ 4,390	$ 1,932	75%
Kentucky	2 Medical Claims	$ 2,517	$ 3,898	$ 1,381	51%
Kentucky	2 Theft Claims	$ 2,458	$ 4,438	$ 1,980	77%
Kentucky	2 Water Claims	$ 2,458	$ 3,881	$ 1,422	55%
Louisiana	1 Fire Claim	$ 3,357	$ 4,225	$ 868	32%
Louisiana	1 Liability Claim	$ 3,357	$ 4,126	$ 769	29%
Louisiana	1 Medical Claim	$ 3,475	$ 4,146	$ 671	34%
Louisiana	1 Theft Claim	$ 3,357	$ 4,126	$ 769	29%
Louisiana	1 Water Claim	$ 3,357	$ 4,083	$ 726	28%
Louisiana	1 Weather Claim	$ 3,583	$ 3,954	$ 371	19%
Louisiana	1 Weather Claims	$ 3,583	$ 4,251	$ 668	34%
Louisiana	2 Fire Claims	$ 3,357	$ 4,965	$ 1,607	58%
Louisiana	2 Liability Claims	$ 3,357	$ 4,970	$ 1,613	56%
Louisiana	2 Medical Claims	$ 3,475	$ 4,806	$ 1,331	61%
Louisiana	2 Theft Claims	$ 3,357	$ 4,970	$ 1,613	56%
Louisiana	2 Water Claims	$ 3,357	$ 4,765	$ 1,408	51%
Massachusetts	1 Fire Claim	$ 1,629	$ 1,866	$ 236	14%
Massachusetts	1 Liability Claim	$ 1,629	$ 1,882	$ 253	16%
Massachusetts	1 Medical Claim	$ 1,643	$ 1,879	$ 236	15%
Massachusetts	1 Theft Claim	$ 1,629	$ 1,844	$ 215	13%
Massachusetts	1 Water Claim	$ 1,629	$ 1,869	$ 239	15%
Massachusetts	1 Weather Claim	$ 1,629	$ 1,804	$ 175	11%
Massachusetts	1 Weather Claims	$ 1,629	$ 1,989	$ 360	22%
Massachusetts	2 Fire Claims	$ 1,629	$ 2,173	$ 544	32%
Massachusetts	2 Liability Claims	$ 1,629	$ 2,111	$ 481	29%
Massachusetts	2 Medical Claims	$ 1,643	$ 2,149	$ 506	33%
Massachusetts	2 Theft Claims	$ 1,629	$ 2,080	$ 450	29%
Massachusetts	2 Water Claims	$ 1,629	$ 2,155	$ 525	32%
Maryland	1 Fire Claim	$ 2,009	$ 2,871	$ 862	43%
Maryland	1 Liability Claim	$ 2,009	$ 2,765	$ 756	37%
Maryland	1 Medical Claim	$ 2,655	$ 3,271	$ 616	23%
Maryland	1 Theft Claim	$ 2,009	$ 2,700	$ 691	37%
Maryland	1 Water Claim	$ 2,009	$ 2,705	$ 697	37%
Maryland	1 Weather Claim	$ 2,055	$ 2,452	$ 398	19%
Maryland	1 Weather Claims	$ 2,033	$ 2,822	$ 790	33%
Maryland	2 Fire Claims	$ 1,992	$ 3,624	$ 1,631	87%
Maryland	2 Liability Claims	$ 1,992	$ 3,366	$ 1,373	70%
Maryland	2 Medical Claims	$ 2,655	$ 4,074	$ 1,419	45%
Maryland	2 Theft Claims	$ 1,992	$ 3,470	$ 1,477	75%
Maryland	2 Water Claims	$ 1,992	$ 3,537	$ 1,544	81%
Maine	1 Fire Claim	$ 1,407	$ 1,950	$ 543	45%
Maine	1 Liability Claim	$ 1,407	$ 1,897	$ 490	42%
Maine	1 Medical Claim	$ 1,363	$ 1,880	$ 518	48%
Maine	1 Theft Claim	$ 1,407	$ 1,911	$ 503	43%
Maine	1 Water Claim	$ 1,407	$ 1,894	$ 487	41%
Maine	1 Weather Claim	$ 1,463	$ 1,826	$ 363	32%
Maine	1 Weather Claims	$ 1,463	$ 2,020	$ 557	46%
Maine	2 Fire Claims	$ 1,407	$ 2,425	$ 1,018	81%
Maine	2 Liability Claims	$ 1,407	$ 2,365	$ 958	78%
Maine	2 Medical Claims	$ 1,363	$ 2,355	$ 992	86%
Maine	2 Theft Claims	$ 1,407	$ 2,412	$ 1,005	81%
Maine	2 Water Claims	$ 1,407	$ 2,300	$ 893	73%
Michigan	1 Fire Claim	$ 1,916	$ 2,522	$ 606	33%
Michigan	1 Liability Claim	$ 1,953	$ 2,533	$ 580	32%
Michigan	1 Medical Claim	$ 2,272	$ 2,873	$ 601	31%
Michigan	1 Theft Claim	$ 1,916	$ 2,621	$ 705	35%
Michigan	1 Water Claim	$ 1,955	$ 2,416	$ 461	25%
Michigan	1 Weather Claim	$ 1,819	$ 2,048	$ 229	15%
Michigan	1 Weather Claims	$ 1,973	$ 2,726	$ 753	36%
Michigan	2 Fire Claims	$ 1,884	$ 3,443	$ 1,560	83%
Michigan	2 Liability Claims	$ 1,915	$ 3,326	$ 1,411	78%
Michigan	2 Medical Claims	$ 2,171	$ 3,634	$ 1,463	74%
Michigan	2 Theft Claims	$ 1,884	$ 3,189	$ 1,305	75%
Michigan	2 Water Claims	$ 1,917	$ 3,125	$ 1,207	64%
Minnesota	1 Fire Claim	$ 2,611	$ 3,498	$ 887	34%
Minnesota	1 Liability Claim	$ 2,611	$ 3,439	$ 828	31%
Minnesota	1 Medical Claim	$ 2,501	$ 2,796	$ 295	13%
Minnesota	1 Theft Claim	$ 2,611	$ 3,482	$ 871	33%
Minnesota	1 Water Claim	$ 2,652	$ 3,563	$ 911	35%
Minnesota	1 Weather Claim	$ 2,510	$ 2,981	$ 471	20%
Minnesota	1 Weather Claims	$ 2,510	$ 3,157	$ 646	27%
Minnesota	2 Fire Claims	$ 2,611	$ 4,407	$ 1,795	67%
Minnesota	2 Liability Claims	$ 2,611	$ 4,318	$ 1,707	63%
Minnesota	2 Medical Claims	$ 2,501	$ 2,796	$ 295	13%
Minnesota	2 Theft Claims	$ 2,611	$ 4,374	$ 1,763	66%
Minnesota	2 Water Claims	$ 2,652	$ 4,407	$ 1,755	66%
Missouri	1 Fire Claim	$ 2,641	$ 3,270	$ 629	24%
Missouri	1 Liability Claim	$ 2,730	$ 3,327	$ 597	22%
Missouri	1 Medical Claim	$ 2,924	$ 3,504	$ 580	20%
Missouri	1 Theft Claim	$ 2,730	$ 3,331	$ 601	23%
Missouri	1 Water Claim	$ 2,730	$ 3,337	$ 607	22%
Missouri	1 Weather Claim	$ 3,111	$ 3,595	$ 484	16%
Missouri	1 Weather Claims	$ 3,076	$ 3,836	$ 760	25%
Missouri	2 Fire Claims	$ 2,641	$ 3,979	$ 1,338	51%
Missouri	2 Liability Claims	$ 2,730	$ 3,837	$ 1,107	42%
Missouri	2 Medical Claims	$ 2,924	$ 3,766	$ 842	30%
Missouri	2 Theft Claims	$ 2,730	$ 3,861	$ 1,130	43%
Missouri	2 Water Claims	$ 2,730	$ 3,798	$ 1,068	40%
Mississippi	1 Fire Claim	$ 3,576	$ 4,739	$ 1,163	34%
Mississippi	1 Liability Claim	$ 3,576	$ 4,549	$ 973	28%
Mississippi	1 Medical Claim	$ 3,885	$ 4,650	$ 765	23%
Mississippi	1 Theft Claim	$ 3,576	$ 4,672	$ 1,096	32%
Mississippi	1 Water Claim	$ 3,576	$ 4,338	$ 762	23%
Mississippi	1 Weather Claim	$ 3,728	$ 4,332	$ 604	19%
Mississippi	1 Weather Claims	$ 3,728	$ 4,828	$ 1,100	33%
Mississippi	2 Fire Claims	$ 3,576	$ 6,712	$ 3,136	91%
Mississippi	2 Liability Claims	$ 3,576	$ 6,214	$ 2,638	74%
Mississippi	2 Medical Claims	$ 3,885	$ 5,827	$ 1,943	56%
Mississippi	2 Theft Claims	$ 3,576	$ 6,606	$ 3,030	86%
Mississippi	2 Water Claims	$ 3,576	$ 5,190	$ 1,614	49%
Montana	1 Fire Claim	$ 2,207	$ 2,734	$ 527	25%
Montana	1 Liability Claim	$ 2,207	$ 2,623	$ 415	20%
Montana	1 Medical Claim	$ 2,425	$ 2,812	$ 387	16%
Montana	1 Theft Claim	$ 2,207	$ 2,648	$ 441	21%
Montana	1 Water Claim	$ 2,207	$ 2,731	$ 524	24%
Montana	1 Weather Claim	$ 2,164	$ 2,402	$ 238	10%
Montana	1 Weather Claims	$ 2,164	$ 2,527	$ 363	16%
Montana	2 Fire Claims	$ 2,207	$ 3,276	$ 1,068	52%
Montana	2 Liability Claims	$ 2,207	$ 2,981	$ 774	39%
Montana	2 Medical Claims	$ 2,425	$ 3,037	$ 613	26%
Montana	2 Theft Claims	$ 2,207	$ 3,055	$ 848	41%
Montana	2 Water Claims	$ 2,207	$ 3,127	$ 920	45%
North Carolina	1 Fire Claim	$ 2,942	$ 3,713	$ 772	27%
North Carolina	1 Liability Claim	$ 2,942	$ 3,777	$ 836	29%
North Carolina	1 Medical Claim	$ 2,545	$ 3,045	$ 500	18%
North Carolina	1 Theft Claim	$ 2,942	$ 3,665	$ 723	24%
North Carolina	1 Water Claim	$ 2,942	$ 3,532	$ 590	19%
North Carolina	1 Weather Claim	$ 3,053	$ 3,325	$ 273	9%
North Carolina	1 Weather Claims	$ 3,053	$ 3,588	$ 535	18%
North Carolina	2 Fire Claims	$ 2,942	$ 4,628	$ 1,686	60%
North Carolina	2 Liability Claims	$ 2,942	$ 4,810	$ 1,869	64%
North Carolina	2 Medical Claims	$ 2,545	$ 3,736	$ 1,191	42%
North Carolina	2 Theft Claims	$ 2,942	$ 4,569	$ 1,627	55%
North Carolina	2 Water Claims	$ 2,942	$ 4,232	$ 1,291	43%
North Dakota	1 Fire Claim	$ 2,842	$ 3,484	$ 643	23%
North Dakota	1 Liability Claim	$ 2,842	$ 3,430	$ 588	22%
North Dakota	1 Medical Claim	$ 3,284	$ 4,082	$ 798	25%
North Dakota	1 Theft Claim	$ 2,842	$ 3,487	$ 646	24%
North Dakota	1 Water Claim	$ 2,842	$ 3,452	$ 610	23%
North Dakota	1 Weather Claim	$ 2,997	$ 3,515	$ 518	18%
North Dakota	1 Weather Claims	$ 2,997	$ 3,851	$ 854	29%
North Dakota	2 Fire Claims	$ 2,842	$ 4,088	$ 1,247	45%
North Dakota	2 Liability Claims	$ 2,842	$ 4,092	$ 1,250	46%
North Dakota	2 Medical Claims	$ 3,284	$ 4,692	$ 1,407	46%
North Dakota	2 Theft Claims	$ 2,842	$ 4,053	$ 1,211	45%
North Dakota	2 Water Claims	$ 2,842	$ 3,998	$ 1,156	44%
Nebraska	1 Fire Claim	$ 4,459	$ 5,337	$ 878	22%
Nebraska	1 Liability Claim	$ 4,459	$ 5,274	$ 815	20%
Nebraska	1 Medical Claim	$ 5,175	$ 5,707	$ 532	12%
Nebraska	1 Theft Claim	$ 4,459	$ 5,296	$ 836	21%
Nebraska	1 Water Claim	$ 4,459	$ 5,348	$ 888	23%
Nebraska	1 Weather Claim	$ 4,963	$ 5,458	$ 496	11%
Nebraska	1 Weather Claims	$ 4,482	$ 5,223	$ 740	19%
Nebraska	2 Fire Claims	$ 4,459	$ 6,057	$ 1,598	42%
Nebraska	2 Liability Claims	$ 4,459	$ 5,945	$ 1,485	38%
Nebraska	2 Medical Claims	$ 4,626	$ 5,311	$ 685	17%
Nebraska	2 Theft Claims	$ 4,138	$ 5,624	$ 1,486	40%
Nebraska	2 Water Claims	$ 4,459	$ 5,928	$ 1,469	39%
New Hampshire	1 Fire Claim	$ 1,139	$ 1,446	$ 308	28%
New Hampshire	1 Liability Claim	$ 1,139	$ 1,411	$ 273	26%
New Hampshire	1 Medical Claim	$ 1,155	$ 1,369	$ 214	21%
New Hampshire	1 Theft Claim	$ 1,139	$ 1,431	$ 293	27%
New Hampshire	1 Water Claim	$ 1,139	$ 1,423	$ 285	27%
New Hampshire	1 Weather Claim	$ 1,139	$ 1,316	$ 177	17%
New Hampshire	1 Weather Claims	$ 1,139	$ 1,483	$ 345	33%
New Hampshire	2 Fire Claims	$ 1,157	$ 1,835	$ 678	61%
New Hampshire	2 Liability Claims	$ 1,157	$ 1,780	$ 622	58%
New Hampshire	2 Medical Claims	$ 1,177	$ 1,626	$ 448	43%
New Hampshire	2 Theft Claims	$ 1,157	$ 1,822	$ 665	61%
New Hampshire	2 Water Claims	$ 1,157	$ 1,757	$ 600	55%
New Jersey	1 Fire Claim	$ 1,234	$ 1,583	$ 349	30%
New Jersey	1 Liability Claim	$ 1,234	$ 1,598	$ 363	31%
New Jersey	1 Medical Claim	$ 1,186	$ 1,432	$ 246	22%
New Jersey	1 Theft Claim	$ 1,234	$ 1,582	$ 347	30%
New Jersey	1 Water Claim	$ 1,234	$ 1,556	$ 322	27%
New Jersey	1 Weather Claim	$ 1,234	$ 1,493	$ 259	22%
New Jersey	1 Weather Claims	$ 1,234	$ 1,682	$ 448	39%
New Jersey	2 Fire Claims	$ 1,234	$ 1,943	$ 709	59%
New Jersey	2 Liability Claims	$ 1,234	$ 1,986	$ 751	62%
New Jersey	2 Medical Claims	$ 1,186	$ 1,611	$ 426	35%
New Jersey	2 Theft Claims	$ 1,234	$ 1,941	$ 707	58%
New Jersey	2 Water Claims	$ 1,234	$ 1,867	$ 633	53%
New Mexico	1 Fire Claim	$ 2,818	$ 3,750	$ 932	35%
New Mexico	1 Liability Claim	$ 2,818	$ 3,603	$ 785	29%
New Mexico	1 Medical Claim	$ 2,965	$ 3,418	$ 453	16%
New Mexico	1 Theft Claim	$ 2,818	$ 3,643	$ 825	31%
New Mexico	1 Water Claim	$ 2,926	$ 3,762	$ 836	29%
New Mexico	1 Weather Claim	$ 3,060	$ 3,847	$ 786	26%
New Mexico	1 Weather Claims	$ 2,904	$ 4,002	$ 1,098	38%
New Mexico	2 Fire Claims	$ 2,818	$ 4,577	$ 1,759	69%
New Mexico	2 Liability Claims	$ 2,818	$ 4,280	$ 1,462	56%
New Mexico	2 Medical Claims	$ 2,965	$ 3,791	$ 826	29%
New Mexico	2 Theft Claims	$ 2,818	$ 4,372	$ 1,554	61%
New Mexico	2 Water Claims	$ 2,818	$ 4,111	$ 1,293	48%
Nevada	1 Fire Claim	$ 1,524	$ 1,959	$ 435	29%
Nevada	1 Liability Claim	$ 1,524	$ 1,865	$ 341	24%
Nevada	1 Medical Claim	$ 1,561	$ 1,808	$ 248	18%
Nevada	1 Theft Claim	$ 1,524	$ 1,892	$ 368	26%
Nevada	1 Water Claim	$ 1,524	$ 1,944	$ 421	28%
Nevada	1 Weather Claim	$ 1,614	$ 1,842	$ 228	15%
Nevada	1 Weather Claims	$ 1,482	$ 1,849	$ 367	26%
Nevada	2 Fire Claims	$ 1,524	$ 2,516	$ 993	65%
Nevada	2 Liability Claims	$ 1,524	$ 2,350	$ 826	57%
Nevada	2 Medical Claims	$ 1,561	$ 2,012	$ 452	31%
Nevada	2 Theft Claims	$ 1,524	$ 2,389	$ 866	61%
Nevada	2 Water Claims	$ 1,524	$ 2,483	$ 959	63%
New York	1 Fire Claim	$ 1,377	$ 1,617	$ 240	18%
New York	1 Liability Claim	$ 1,377	$ 1,624	$ 247	18%
New York	1 Medical Claim	$ 1,401	$ 1,618	$ 216	15%
New York	1 Theft Claim	$ 1,377	$ 1,622	$ 245	18%
New York	1 Water Claim	$ 1,377	$ 1,644	$ 267	20%
New York	1 Weather Claim	$ 1,377	$ 1,589	$ 212	15%
New York	1 Weather Claims	$ 1,394	$ 1,808	$ 414	29%
New York	2 Fire Claims	$ 1,394	$ 2,003	$ 609	46%
New York	2 Liability Claims	$ 1,394	$ 2,003	$ 609	46%
New York	2 Medical Claims	$ 1,401	$ 1,844	$ 442	32%
New York	2 Theft Claims	$ 1,394	$ 1,998	$ 604	45%
New York	2 Water Claims	$ 1,394	$ 1,947	$ 553	41%
Ohio	1 Fire Claim	$ 1,752	$ 2,241	$ 489	27%
Ohio	1 Liability Claim	$ 1,740	$ 2,084	$ 344	21%
Ohio	1 Medical Claim	$ 1,723	$ 1,992	$ 269	15%
Ohio	1 Theft Claim	$ 1,752	$ 2,170	$ 418	24%
Ohio	1 Water Claim	$ 1,752	$ 2,145	$ 394	23%
Ohio	1 Weather Claim	$ 1,739	$ 1,982	$ 243	14%
Ohio	1 Weather Claims	$ 1,739	$ 2,551	$ 812	45%
Ohio	2 Fire Claims	$ 1,752	$ 3,063	$ 1,312	72%
Ohio	2 Liability Claims	$ 1,740	$ 2,733	$ 993	57%
Ohio	2 Medical Claims	$ 1,723	$ 2,651	$ 928	53%
Ohio	2 Theft Claims	$ 1,752	$ 2,834	$ 1,082	60%
Ohio	2 Water Claims	$ 1,752	$ 2,905	$ 1,153	65%
Oklahoma	1 Fire Claim	$ 4,652	$ 5,638	$ 986	21%
Oklahoma	1 Liability Claim	$ 4,652	$ 5,395	$ 743	17%
Oklahoma	1 Medical Claim	$ 4,856	$ 5,651	$ 795	17%
Oklahoma	1 Theft Claim	$ 4,652	$ 5,430	$ 778	17%
Oklahoma	1 Water Claim	$ 4,652	$ 5,478	$ 826	17%
Oklahoma	1 Weather Claim	$ 4,233	$ 4,945	$ 712	17%
Oklahoma	1 Weather Claims	$ 4,706	$ 6,346	$ 1,640	32%
Oklahoma	2 Fire Claims	$ 4,960	$ 7,343	$ 2,383	49%
Oklahoma	2 Liability Claims	$ 4,960	$ 6,788	$ 1,828	38%
Oklahoma	2 Medical Claims	$ 5,074	$ 6,782	$ 1,708	34%
Oklahoma	2 Theft Claims	$ 4,960	$ 6,848	$ 1,888	40%
Oklahoma	2 Water Claims	$ 4,960	$ 6,868	$ 1,909	37%
Oregon	1 Fire Claim	$ 1,299	$ 1,763	$ 464	37%
Oregon	1 Liability Claim	$ 1,299	$ 1,723	$ 424	32%
Oregon	1 Medical Claim	$ 1,114	$ 1,281	$ 167	14%
Oregon	1 Theft Claim	$ 1,299	$ 1,745	$ 446	35%
Oregon	1 Water Claim	$ 1,299	$ 1,661	$ 362	28%
Oregon	1 Weather Claim	$ 1,257	$ 1,492	$ 235	18%
Oregon	1 Weather Claims	$ 1,257	$ 1,693	$ 436	35%
Oregon	2 Fire Claims	$ 1,299	$ 2,328	$ 1,029	84%
Oregon	2 Liability Claims	$ 1,299	$ 2,247	$ 948	73%
Oregon	2 Medical Claims	$ 1,114	$ 1,444	$ 330	26%
Oregon	2 Theft Claims	$ 1,299	$ 2,284	$ 985	77%
Oregon	2 Water Claims	$ 1,299	$ 1,949	$ 650	51%
Pennsylvania	1 Fire Claim	$ 1,258	$ 1,666	$ 409	32%
Pennsylvania	1 Liability Claim	$ 1,258	$ 1,587	$ 330	26%
Pennsylvania	1 Medical Claim	$ 1,316	$ 1,465	$ 150	12%
Pennsylvania	1 Theft Claim	$ 1,258	$ 1,631	$ 374	29%
Pennsylvania	1 Water Claim	$ 1,230	$ 1,589	$ 359	29%
Pennsylvania	1 Weather Claim	$ 1,260	$ 1,449	$ 189	15%
Pennsylvania	1 Weather Claims	$ 1,245	$ 1,672	$ 427	35%
Pennsylvania	2 Fire Claims	$ 1,245	$ 2,259	$ 1,013	79%
Pennsylvania	2 Liability Claims	$ 1,245	$ 2,005	$ 760	60%
Pennsylvania	2 Medical Claims	$ 1,353	$ 1,715	$ 362	30%
Pennsylvania	2 Theft Claims	$ 1,245	$ 2,086	$ 841	66%
Pennsylvania	2 Water Claims	$ 1,245	$ 2,084	$ 838	67%
Rhode Island	1 Fire Claim	$ 1,556	$ 2,011	$ 456	32%
Rhode Island	1 Liability Claim	$ 1,556	$ 2,007	$ 451	33%
Rhode Island	1 Medical Claim	$ 1,411	$ 1,806	$ 395	29%
Rhode Island	1 Theft Claim	$ 1,556	$ 1,984	$ 428	30%
Rhode Island	1 Water Claim	$ 1,556	$ 1,987	$ 432	30%
Rhode Island	1 Weather Claim	$ 1,410	$ 1,707	$ 297	23%
Rhode Island	1 Weather Claims	$ 1,410	$ 1,917	$ 508	38%
Rhode Island	2 Fire Claims	$ 1,556	$ 2,527	$ 972	64%
Rhode Island	2 Liability Claims	$ 1,556	$ 2,380	$ 824	54%
Rhode Island	2 Medical Claims	$ 1,411	$ 2,251	$ 840	59%
Rhode Island	2 Theft Claims	$ 1,556	$ 2,445	$ 889	59%
Rhode Island	2 Water Claims	$ 1,556	$ 2,442	$ 886	59%
South Carolina	1 Fire Claim	$ 2,369	$ 3,026	$ 656	27%
South Carolina	1 Liability Claim	$ 2,369	$ 2,900	$ 530	23%
South Carolina	1 Medical Claim	$ 2,607	$ 2,942	$ 335	13%
South Carolina	1 Theft Claim	$ 2,369	$ 2,934	$ 565	24%
South Carolina	1 Water Claim	$ 2,350	$ 2,823	$ 473	21%
South Carolina	1 Weather Claim	$ 2,350	$ 2,572	$ 223	10%
South Carolina	1 Weather Claims	$ 2,350	$ 2,806	$ 456	20%
South Carolina	2 Fire Claims	$ 2,369	$ 3,729	$ 1,360	57%
South Carolina	2 Liability Claims	$ 2,369	$ 3,428	$ 1,059	46%
South Carolina	2 Medical Claims	$ 2,607	$ 3,290	$ 683	27%
South Carolina	2 Theft Claims	$ 2,369	$ 3,531	$ 1,162	50%
South Carolina	2 Water Claims	$ 2,350	$ 3,273	$ 923	40%
South Dakota	1 Fire Claim	$ 3,401	$ 4,326	$ 925	24%
South Dakota	1 Liability Claim	$ 3,401	$ 4,290	$ 889	23%
South Dakota	1 Medical Claim	$ 3,255	$ 3,652	$ 397	11%
South Dakota	1 Theft Claim	$ 3,401	$ 4,328	$ 926	24%
South Dakota	1 Water Claim	$ 3,401	$ 4,267	$ 866	22%
South Dakota	1 Weather Claim	$ 3,471	$ 4,383	$ 912	23%
South Dakota	1 Weather Claims	$ 3,471	$ 4,938	$ 1,466	39%
South Dakota	2 Fire Claims	$ 3,401	$ 5,114	$ 1,713	49%
South Dakota	2 Liability Claims	$ 3,401	$ 5,039	$ 1,638	47%
South Dakota	2 Medical Claims	$ 3,156	$ 3,710	$ 554	16%
South Dakota	2 Theft Claims	$ 3,401	$ 5,028	$ 1,627	46%
South Dakota	2 Water Claims	$ 3,401	$ 4,865	$ 1,464	40%
Tennessee	1 Fire Claim	$ 2,843	$ 3,554	$ 711	28%
Tennessee	1 Liability Claim	$ 2,843	$ 3,426	$ 583	23%
Tennessee	1 Medical Claim	$ 6,595	$ 7,059	$ 464	7%
Tennessee	1 Theft Claim	$ 2,843	$ 3,467	$ 624	25%
Tennessee	1 Water Claim	$ 2,908	$ 3,527	$ 619	24%
Tennessee	1 Weather Claim	$ 3,245	$ 3,543	$ 298	10%
Tennessee	1 Weather Claims	$ 3,245	$ 3,641	$ 396	16%
Tennessee	2 Fire Claims	$ 2,843	$ 4,377	$ 1,534	61%
Tennessee	2 Liability Claims	$ 2,843	$ 4,002	$ 1,159	46%
Tennessee	2 Medical Claims	$ 6,595	$ 6,809	$ 214	3%
Tennessee	2 Theft Claims	$ 2,843	$ 4,087	$ 1,244	51%
Tennessee	2 Water Claims	$ 2,908	$ 4,002	$ 1,094	43%
Texas	1 Fire Claim	$ 3,882	$ 4,546	$ 665	16%
Texas	1 Liability Claim	$ 3,929	$ 4,613	$ 684	16%
Texas	1 Medical Claim	$ 4,147	$ 5,046	$ 899	20%
Texas	1 Theft Claim	$ 3,882	$ 4,546	$ 664	16%
Texas	1 Water Claim	$ 3,960	$ 4,689	$ 730	17%
Texas	1 Weather Claim	$ 3,001	$ 3,645	$ 644	18%
Texas	1 Weather Claims	$ 2,967	$ 3,738	$ 771	23%
Texas	2 Fire Claims	$ 3,751	$ 5,335	$ 1,584	40%
Texas	2 Liability Claims	$ 3,783	$ 5,354	$ 1,571	39%
Texas	2 Medical Claims	$ 3,858	$ 5,266	$ 1,408	33%
Texas	2 Theft Claims	$ 3,751	$ 5,323	$ 1,573	39%
Texas	2 Water Claims	$ 3,757	$ 5,438	$ 1,680	43%
Utah	1 Fire Claim	$ 1,135	$ 1,482	$ 347	31%
Utah	1 Liability Claim	$ 1,135	$ 1,444	$ 309	27%
Utah	1 Medical Claim	$ 973	$ 1,104	$ 131	15%
Utah	1 Theft Claim	$ 1,135	$ 1,465	$ 330	29%
Utah	1 Water Claim	$ 1,135	$ 1,427	$ 292	25%
Utah	1 Weather Claim	$ 1,116	$ 1,374	$ 258	22%
Utah	1 Weather Claims	$ 1,068	$ 1,465	$ 397	36%
Utah	2 Fire Claims	$ 1,135	$ 1,830	$ 695	62%
Utah	2 Liability Claims	$ 1,135	$ 1,776	$ 641	57%
Utah	2 Medical Claims	$ 973	$ 1,180	$ 207	23%
Utah	2 Theft Claims	$ 1,135	$ 1,798	$ 663	59%
Utah	2 Water Claims	$ 1,135	$ 1,767	$ 632	56%
Virginia	1 Fire Claim	$ 1,396	$ 2,146	$ 751	56%
Virginia	1 Liability Claim	$ 1,438	$ 2,049	$ 612	45%
Virginia	1 Medical Claim	$ 1,330	$ 1,475	$ 145	12%
Virginia	1 Theft Claim	$ 1,438	$ 2,172	$ 734	54%
Virginia	1 Water Claim	$ 1,438	$ 2,133	$ 695	51%
Virginia	1 Weather Claim	$ 1,403	$ 1,761	$ 358	27%
Virginia	1 Weather Claims	$ 1,383	$ 2,071	$ 688	52%
Virginia	2 Fire Claims	$ 1,380	$ 2,970	$ 1,590	117%
Virginia	2 Liability Claims	$ 1,416	$ 2,739	$ 1,323	98%
Virginia	2 Medical Claims	$ 1,330	$ 1,556	$ 226	19%
Virginia	2 Theft Claims	$ 1,416	$ 2,900	$ 1,484	109%
Virginia	2 Water Claims	$ 1,416	$ 2,960	$ 1,544	112%
Vermont	1 Fire Claim	$ 1,092	$ 1,301	$ 209	19%
Vermont	1 Liability Claim	$ 1,092	$ 1,241	$ 149	14%
Vermont	1 Medical Claim	$ 1,124	$ 1,239	$ 114	11%
Vermont	1 Theft Claim	$ 1,092	$ 1,257	$ 165	16%
Vermont	1 Water Claim	$ 1,092	$ 1,283	$ 191	17%
Vermont	1 Weather Claim	$ 1,082	$ 1,147	$ 65	7%
Vermont	1 Weather Claims	$ 1,087	$ 1,218	$ 132	14%
Vermont	2 Fire Claims	$ 1,092	$ 1,517	$ 425	38%
Vermont	2 Liability Claims	$ 1,092	$ 1,404	$ 312	31%
Vermont	2 Medical Claims	$ 1,124	$ 1,331	$ 207	19%
Vermont	2 Theft Claims	$ 1,092	$ 1,428	$ 336	33%
Vermont	2 Water Claims	$ 1,092	$ 1,475	$ 383	34%
Washington	1 Fire Claim	$ 1,349	$ 1,834	$ 485	40%
Washington	1 Liability Claim	$ 1,365	$ 1,792	$ 427	34%
Washington	1 Medical Claim	$ 1,310	$ 1,645	$ 335	25%
Washington	1 Theft Claim	$ 1,349	$ 1,798	$ 449	36%
Washington	1 Water Claim	$ 1,349	$ 1,752	$ 403	32%
Washington	1 Weather Claim	$ 1,185	$ 1,428	$ 243	22%
Washington	1 Weather Claims	$ 1,209	$ 1,608	$ 399	36%
Washington	2 Fire Claims	$ 1,349	$ 2,276	$ 926	76%
Washington	2 Liability Claims	$ 1,365	$ 2,210	$ 844	67%
Washington	2 Medical Claims	$ 1,310	$ 1,903	$ 593	45%
Washington	2 Theft Claims	$ 1,349	$ 2,242	$ 893	71%
Washington	2 Water Claims	$ 1,349	$ 2,130	$ 780	61%
Wisconsin	1 Fire Claim	$ 1,331	$ 1,686	$ 355	26%
Wisconsin	1 Liability Claim	$ 1,331	$ 1,624	$ 293	22%
Wisconsin	1 Medical Claim	$ 1,446	$ 1,836	$ 390	27%
Wisconsin	1 Theft Claim	$ 1,331	$ 1,639	$ 308	23%
Wisconsin	1 Water Claim	$ 1,331	$ 1,649	$ 318	24%
Wisconsin	1 Weather Claim	$ 1,325	$ 1,498	$ 173	13%
Wisconsin	1 Weather Claims	$ 1,286	$ 1,680	$ 394	30%
Wisconsin	2 Fire Claims	$ 1,295	$ 1,950	$ 655	49%
Wisconsin	2 Liability Claims	$ 1,295	$ 1,825	$ 530	41%
Wisconsin	2 Medical Claims	$ 1,446	$ 2,126	$ 680	48%
Wisconsin	2 Theft Claims	$ 1,295	$ 1,827	$ 532	41%
Wisconsin	2 Water Claims	$ 1,295	$ 1,856	$ 561	43%
West Virginia	1 Fire Claim	$ 1,869	$ 2,670	$ 801	41%
West Virginia	1 Liability Claim	$ 1,869	$ 2,403	$ 534	27%
West Virginia	1 Medical Claim	$ 1,945	$ 2,089	$ 145	8%
West Virginia	1 Theft Claim	$ 1,869	$ 2,537	$ 668	35%
West Virginia	1 Water Claim	$ 1,869	$ 2,398	$ 529	29%
West Virginia	1 Weather Claim	$ 1,904	$ 2,207	$ 303	16%
West Virginia	1 Weather Claims	$ 1,873	$ 2,609	$ 736	37%
West Virginia	2 Fire Claims	$ 1,844	$ 3,736	$ 1,892	95%
West Virginia	2 Liability Claims	$ 1,844	$ 3,161	$ 1,316	66%
West Virginia	2 Medical Claims	$ 1,945	$ 2,245	$ 300	15%
West Virginia	2 Theft Claims	$ 1,844	$ 3,391	$ 1,547	77%
West Virginia	2 Water Claims	$ 1,844	$ 3,061	$ 1,216	67%
Wyoming	1 Fire Claim	$ 1,747	$ 2,112	$ 365	20%
Wyoming	1 Liability Claim	$ 1,747	$ 2,013	$ 266	17%
Wyoming	1 Medical Claim	$ 2,011	$ 2,204	$ 193	9%
Wyoming	1 Theft Claim	$ 1,747	$ 1,989	$ 242	15%
Wyoming	1 Water Claim	$ 1,747	$ 2,080	$ 333	17%
Wyoming	1 Weather Claim	$ 1,503	$ 1,539	$ 36	2%
Wyoming	1 Weather Claims	$ 1,747	$ 1,840	$ 93	7%
Wyoming	2 Fire Claims	$ 1,747	$ 2,535	$ 788	44%
Wyoming	2 Liability Claims	$ 1,747	$ 2,287	$ 540	34%
Wyoming	2 Medical Claims	$ 2,011	$ 2,358	$ 347	15%
Wyoming	2 Theft Claims	$ 1,747	$ 2,287	$ 540	34%
Wyoming	2 Water Claims	$ 1,747	$ 2,454	$ 707	38%

QuickTake

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Does your home insurance go up after a claim that is not your fault?

Most home insurance claims are for things that are not the owner’s fault. Unlike car insurance claims, there is no fault determination in a home insurance claim. That means that home insurance does go up after claims that are not the owner’s fault.

However home insurance companies do differentiate between things that are within the owner’s control to some degree and those that are not. For example. if you have old wiring that starts a fire, it was within your control to update the wiring before it caused the fire. However, a hurricane is completely out of your control.

Claims for weather damage may not increase your rates, or the increase may be less. However, if there are a lot of weather claims in your area, rates for that location may go up across the board.

Case study: Home insurance costs after a single claim

Even relatively small claims can result in an increase in home insurance premiums. That’s something Therese, a homeowner in Michigan, discovered a few years ago.

She had the unsettling experience of seeing smoke coming from the outlets in her basement. An emergency call was made to an electrician who determined that Therese’s electric provider was sending too much voltage into her home.

Once that issue was resolved, Therese was faced with damage that required her to replace the following:

Electrical panel
Furnace control board
Refrigerator
Dishwasher
Some wiring

Her insurance company paid $11,655 which was enough to cover the damage, minus a $1,000 deductible. This was the first claim made on the policy, which had been in effect about five years at this point.

In the year of the incident, Therese’s home insurance premium was $1,004. The year after her claim, the premium rose to $1,296, a nearly 30% increase.

The increase appeared to be linked, in part, to the loss of a “preferred homeowner discount” that was awarded to those with a claim-free policy. Losing that discount added about $173 to the price of Therese’s annual premium.

When to file a home insurance claim

One important rule of thumb for filing a claim is to look at the cost compared to your deductible. If the claim’s potential cost is less than your deductible, it’s better to pay out of pocket. That’s especially true if this isn’t your first insurance claim.

However, one exception is liability claims. It’s usually a good idea to file liability claims if you’re concerned that you’ll get sued.

Insight:

If the claim is below your deductible, you definitely do not want to file it — there’s nothing to be gained. Unless someone gets injured and there’s a possibility, they may sue you. In that case, you need to let your insurer know. -Amy Bach, executive director of United Policyholders, a consumer advocacy group.

If you’re concerned about maintaining an affordable homeowners insurance rate, especially after filing a claim, consider carrying a higher deductible to reduce your premium. Increasing your deductible can save you hundreds of dollars annually.

Making improvements to your home also can help. But Bach stresses that being a knowledgeable consumer is even more critical.

“We always encourage people to ask the question, ‘what are your rules, so that I know and can make informed decisions,’” Bach says.

What else increases home insurance rates?

Beyond claims, homeowners insurance premiums can increase for several reasons, such as:

More homeowners insurance claims in your area
Extreme weather
A crumbling roof
A pool, hot tub or outdoor spa
Certain dog breeds or other pets
Age and construction of home
Credit history

More claims in your area

When you renew your insurance policy, you may receive a higher rate if an insurance company views your area as a higher risk. This can be due to more burglaries or thefts in the area. You also might encounter higher home insurance premiums if your area is more susceptible to extreme weather, such as hurricanes and tornadoes.

Home upkeep issues

If your home needs repairs, this can increase your homeowners insurance premiums, too. An old roof or a bad foundation are potential safety hazards. Those issues make it more likely you’ll claim a loss. Hence, the higher rates.

Features in your home

Certain features of your home can also increase your insurance rate. Having a pool, hot tub or outdoor spa can increase your homeowners insurance premiums. Those items create greater liability and a risk of injury or death.

Pets

The type of pet you own additionally affects your rate. Companies may have an exclusion list for certain breeds of dogs and exotic pets. Depending on the breed, certain companies may not insure you. Others may view you as more of a risk and lead to higher rates.

Construction of home

The age and construction of your home are two other factors that affect your rate. The average construction costs in your area and whether your home is new affect its rebuilding costs. New construction homes get a 40% homeowners insurance discount on average. Older homes may be more expensive to rebuild because the materials used to reconstruct them can be more costly and not as readily available as newer construction materials.

Poor credit

Similar to other forms of insurance and consumer loans, poor credit history can lead to higher rates. Insurers use what’s known as an insurance score based on your credit history to determine your risk level. A history of late payments or high outstanding debt may indicate to an insurance company you’re risky to insure. To offset this risk, a homeowners insurance company may charge you a higher rate.

But your claims history could be even more important than all these factors in what you pay. Be careful not to file home insurance claims unless it’s absolutely necessary. Otherwise, you’ll pay more for your home insurance policy.

Does a roof claim raise insurance premiums?

Yes, just like any other insurance claim, a roof-related claim may mean higher homeowners insurance rates.

Home insurance companies place great importance on roofs. They want to ensure your roof is in good order. Home insurance companies occasionally send appraisers to review their insured properties to make sure they’re well-maintained.

They check the home from the street to see if there are any issues that may happen, such as a giant overhanging tree or cracked and bent shingles.

Your home insurance company may notify you if it finds an issue that it wants corrected. For instance, the insurance company may request that you replace a roof if it’s showing wear.

Home insurance companies typically believe that a roof’s life is about 20 to 25 years. If your roof is about that age, your insurer may request that you fix the roof or it will stop coverage.

How long does a claim affect your home insurance?

Home insurance companies usually keep your claims on your record for between five and seven years.

Having claims on your record means higher home insurance rates. It also may mean higher home insurance premiums if you shop around for a new insurance policy.

Home insurance companies will look back at least five years of your claims history through CLUE. The CLUE report also includes information about claims of your property before you bought your home. Insurance companies usually limit that lookback to five years.

How many insurance claims are too many?

There is no limit to the number of insurance claims you can file with your insurer. But some companies will stop providing insurance coverage to you after three claims in a three-year period, no matter what type of claim you file.

Does hail damage claim raise home insurance rates?

It depends. Since hail damage, like all weather damage, is out of your control, rates may not go up. But if you have filed a claim in the past three years and this new hail damage is your second claim, then your rates may go up.

Methodology

Insurance.com commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with an excellent insurance score; new business HO3 insurance policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value.

Frequently asked questions

Is it worth filing a claim with your homeowners insurance company?

Whether or not you file a claim depends on the amount of damage your home has experienced. If the damage is minor, it’s best to pay for the repairs yourself, as a claim could increase the cost of your coverage and be more costly in the long run. But if the damage is significant, it is usually worth it to file a homeowners insurance claim.

Can insurance companies raise your rates after you file a claim?

Yes. Insurance companies can raise your rates after you file a claim. However, just because insurance companies can, doesn’t mean they always will. Insurance companies will take multiple factors into account, such as which driver was at fault.

It is best practice to not file too many claims, as this can lead to a very high premium.

Why does your homeowners insurance premium increase after filing a claim?

Insurance companies may increase your premium after you file a claim because a claim can indicate to the insurer that you are more likely to file another. By increasing your premium, the insurance company accounts for the increased risk that comes with your coverage.

Les Masterson

Contributor

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

On this page

Will my homeowners insurance go up if I file a claim?
How much do home insurance rates go up after a claim?
How much do claims increase home insurance rates in your state?
Does your home insurance go up after a claim that is not your fault?
Case study: Home insurance costs after a single claim
When to file a home insurance claim
What else increases home insurance rates?
Does a roof claim raise insurance premiums?
How long does a claim affect your home insurance?
How many insurance claims are too many?
Does hail damage claim raise home insurance rates?
Frequently asked questions

How much do claims increase home insurance rates?

Will my homeowners insurance go up if I file a claim?

How much do home insurance rates go up after a claim?

How much do claims increase home insurance rates in your state?

QuickTake

Does your home insurance go up after a claim that is not your fault?

Case study: Home insurance costs after a single claim

When to file a home insurance claim