A certain number of home insurance claims are expected by insurers, usually around 1 or 2 claims every 10 years. However, if a policyholder exceeds this, they risk being considered high-risk, and thus facing higher premiums. The amount that your insurance goes up after a claim depends on whether or not you’re a high-risk customer, the frequency of your claims, and the amount of your claims. There’s no standardized rate increase structure, so it could vary for each provider. It’s possible that your rates could jump by 30% following a major claim, or they may only go up 10% or 15%. One thing is for sure — home insurance claims will result in premium increases, and repeat claims could put you at risk of being denied coverage altogether. When possible, avoid making claims (especially minor claims).