In most cases, a denied home insurance claim should not negatively affect your premiums in the future. In some states, insurance companies cannot consider denied claims when approving you for a new policy or setting your rates. However, it is still important to understand the details of your homeowners insurance policy and be aware of what is covered and what isn't. It is also wise to contact an experienced insurance dispute lawyer if you have any questions or concerns about filing a claim or fighting a denial.