98brg2d
06-06-2016, 11:39 AM
Hi,
Wondering if anybody can tell me:
Does house insurance take a hit like car insurance does if you report/inform your underwriter but do not make a claim?
Does it depend on the circumstances of loss?
Is it policy or underwriter specific?
Long story short:
My wife's garage door opener was used to open the garage and steal my bikes. Even though they are expensive (north of $4000 for two bikes) it may not be worth the cost of taking a hit on my premium if even an inquiry causes an increase.
What is your general "break-over" point for when you would claim?
Wondering if anybody can tell me:
Does house insurance take a hit like car insurance does if you report/inform your underwriter but do not make a claim?
Does it depend on the circumstances of loss?
Is it policy or underwriter specific?
Long story short:
My wife's garage door opener was used to open the garage and steal my bikes. Even though they are expensive (north of $4000 for two bikes) it may not be worth the cost of taking a hit on my premium if even an inquiry causes an increase.
What is your general "break-over" point for when you would claim?