How Long Does A Home Insurance Claim Stay On Your Record? 
Insurance companies usually review your claim history for the past 3 years but some companies are now looking back 5 years . Your rate and eligibility are determined based on the type of claim you had and the amount paid out . It 's a tough market for home insurance right now especially with all the catastrophes we 've experienced in the last two years . It 's always best to talk to your agent first before filing a small claim . 