If this is your first claim, it won’t likely impact your home insurance rates in many cases 
 

If you've made two or more claims in a three year period, that may trigger a rate increase. 
 

If you are new to an insurer, you'll likely pay more than if you've been with the company for several years, after which, you may receive a loyalty discount. 
 

Some claims are more likely to lead to an increase in rates. Talk to your insurance provider about the specifics. In many cases, claims for water damage, dog bites and slips and falls tend to be the most likely to trigger an increase in rates. 
 

Keep in mind that insurance carriers track your claims history and can make decisions at any time, even months after your claim occurs.