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If my home insurance claim is denied, will my premium rise as a direct result?

I know premiums can rise after a claim is paid out, but what about when claims are denied?

Alexah Grinnell · Updated on Mar 5, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

Yes, even if your insurance company denies your claim, it can impact your premium in the future. Although it may seem unfair, insurance companies set your premium based on your willingness to submit a claim. Anytime you call the claims department, they have to record it as a claim, and even if it’s denied or nothing is paid out, the company will still be able to see the attempted claim and set your premium based upon that.

View full answer

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