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?

Answer
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.
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Alexah Grinnell
Answered on Mar 05, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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