Does Your Homeowners Insurance Go Up When You File A Claim? 
Claim history is a big factor for insurance companies but just because you have a claim does n't mean your rate is going to increase . Several factors are used to determine a rate including the length of time you have been with an insurance company , credit , type of claim filed , amount of claim , castropheclaimsect . Homeowners insurance is designed to cover `` sudden and accidental '' losses . It is not a maintenance policy and you do not want to file small claims . Filing frequent , small claims will cause your rateto increase or your policy may be cancelled . 