Just as your premium is based on information that’s unique to you and your home, so is a claim. Your premium could be impacted, but it depends on various factors.

The amount your premium could increase is determined by things like the number of claims you’ve had in recent years. For example, if you’ve had several claims in the last five years, it’s likely you’ll see a larger premium increase than if you’ve been relatively claim-free.

If you’ve never had a claim (or it’s been a long time since you did), you might be eligible for first-claim forgiveness. With this benefit, you won’t be rated on your first claim, so it won’t impact your premium. (Remember though, your premium can be impacted by other things as well.)