Will my premium go up if I file a claim?

Home insuranceBuying a policyTexasChecked Nov 6, 2026

From K.Actuary, founded by Sangmin Kwon, ASA · sources checked 2026-11-06 · Source: TDI View original ↗

In short

It can, but not for every claim.
Home and auto premiums can go up if you file claims.
Texas says a company can't charge you more for a claim it did not pay.

What this means

TDI says home and auto premiums can go up if you file claims, and you could lose a claim-free discount [1]. But home and auto companies can't charge you more for claims that the company didn't pay, including claims denied because the policy doesn't cover the damage [1]. They also can't charge you more for calling to ask questions about your policy or how to file [1]. A home company also can't charge you more for damage from natural causes, including weather [1].

Before you file a claim, find out how much your deductible is [1]. Most companies use a report called CLUE to learn your claims history. They can learn about claims you filed even with another insurance company [1].

Your next step

Find out how much your deductible is before you file a claim [1]. This is the Texas rule; other states differ. The sources give no deadline.

Check it yourself

Open TDI, Will my premium go up if I file a claim?, at https://www.tdi.texas.gov/tips/will-my-premium-go-up-claim.html and read the part quoted above. Your own plan or policy papers hold details these sources do not give: "Don't know yet" for your case.

Where this comes from (1)

[1] TDI · checked 2026-11-06
your home and auto premiums can go up if you file claims. You could also lose any discounts you're getting for being claim free … Home and auto companies can't charge you more for: Claims you file that the company didn't pay. This includes claims the insurance company denied because your policy doesn't cover the damage. Calling your company or agent to ask questions about your policy or the claims filing process … An…

How we found this

We matched your question to 1 official source, quoted the exact lines, and re-checked each quote against its source on 2026-11-06.

What we don’t know yet

Your own plan or notice may say something different. If your letter cites another rule, send it and we will look again.

Every answer is checked against the official rule it quotes.

Information only — not legal advice. Your plan, insurer or agency decides.

This answer quotes the official sources listed above, with the date we checked them. Your own policy, notice and state rules control. We are not your lawyer or your insurer. We don’t file, argue or negotiate claims for you — you send any letter or form yourself.

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