First claims forgiveness is an optional coverage that you can add to your home or condo policy. It basically means we’ll waive your first property claim so it won’t make your insurance rate go up. Your premium may still increase based on a number of other factors. 
 
Here’s how it works 
Say your pipes burst and cause $15,000 worth of damage to your home. If it’s your first claim, your premium won’t be affected by that claim at renewal. 
 
This coverage is offered based on your eligibility. If you’ve had no claims or your last claim was over five years ago, you might be able to add it to your policy.