Does A Claim Affect Home Insurance? 
It can , yes . Many companies offer a `` Claim Free '' discount if you have not filed a claim is say , 5 years . If you do suffer a loss and then have to file a claim , it is more than likely that if your company had been providing such a discount , that discount would be removed at your next renewal causing your premium to increase . Other companies may apply a surcharge based upon the type of claim you filed which would also affect your premium . 