How Do Claims Affect Homeowners Insurance Premiums? 
Insurance companies sometimes offer either a premium discount or a reduced deductible for every year that there arent any claims filed against the policy . These discounts can become substantial as claims against homeowners policies are infrequent . When a claim is small the money received -LRB- adjusted amount minus deductible -RRB- might be less than the discounts currently being applied . In this case loss of those discounts would be much greater than the small recovery on a claim . 