Making claims do affect your rates. Even more importantly, making two or three claims within a three-year period could possibly end up in a cancellation of your homeowners’ policy. A homeowners’ policy should be looked at for catastrophic losses. Having your deductible at least $1000 will eliminate you from filing small claims that could hurt you in the future.
Always talk to your agent before filing a claim to see if it is in your best interest to file a possible claim.