When your policy renews, most carriers consider whether you’ve filed any claims when setting your rates. However, it’s important to note that premiums often increase at renewal, regardless of whether you’ve filed a claim. This can be due to factors like inflation, changes in the market, or shifts in carrier pricing strategies. While it’s difficult to predict exactly how much your rate may change, if you do see an increase at renewal, we’d be more than happy to shop our network of carriers to search for competitive rates and coverage.