Whenever you file insurance claims, your home insurance premiums increase. Naturally, you want to avoid making claims to keep things affordable. In Lethbridge, Alberta, homeowners are at a higher risk of the following perils:Floods. Most home insurance policies do not offer coverage for flooding; if you want insurance for flood claims, contact your insurance company.Snow. There’s nothing quite like winter in Canada; Lethbridge is no exception. All that snow on your roof may lead to structural damage.Rain. In Lethbridge, when it rains, it pours. Each year, Lethbridge sees an average of 84 rainy days. Heavy amounts of rain can lead to backed-up sewer systems and water damage.