The 7 Most Common Home Insurance Claims That Make Premiums Spike—and How to Avoid Them

To many homeowners, home insurance is just another bill to pay. But when disasters happen, this extra layer of protection can serve as your lifeboat—and simultaneously, your worst nightmare.

That’s because each home insurance claim, while offering financial relief in the short term, can increase the amount you pay for your premium—sometimes dramatically. So what’s a budget-conscious homeowner to do?