When is it worth making a home insurance claim and when is it better to just pay out of pocket?

Answered by Home Insurance, Car Insurance Expert Shannon on January 28, 2021

Home asked

There's some damage to my fence after a snowstorm, but I don't know if it's worth making a claim for it. Can you give me any advice on filing a claim vs. paying out of pocket?

expert avatar


Home Insurance, Car Insurance Expert

Great question! If you can comfortably afford to pay for the home repairs out of pocket, it is best to do so. Since claims can impact the rate of future premiums, it is wise to file a claim only when assistance is really needed. This is different for everyone and there is no set amount to go by. For some, any loss over $1,000 would need to be filed; for others, any loss over $10,000.

Home Insurance

Have an insurance question?

Our insurance agents are ready to help you, for free.

Ask your question, it’s 100% free
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
Gabriella R.
Find savings (100% Free)
stars4.6/5 Rating on App Store