Question

Does a zero dollar home insurance claim affect rating a policy?

I canceled a claim for theft from a vehicle and was not paid out. Will this affect my homeowners insurance premium?

May 14, 2020 Edmond, OK

Answer
Kristine Lee

May 14, 2020

If you were not paid out, a canceled claim should not have an effect on your premium. Database systems used for cataloging claims history can sometimes confuse this, however. I would carry proof that it was a zero paid claim so that if you are shopping you can show the agent this. Most will be willing to delete canceled claims as long as you provide proof.

If you have any questions, feel free to ask.


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