Did You Know? Filing a Small Claim Can Cost More Than It Pays

It's natural to want to use the insurance you pay for. But for small losses, filing a claim isn't always the best financial move.

Each claim can affect your rates at renewal, and a string of small claims can add up to more than the payouts you received. In many cases, a loss that's only slightly above your deductible costs more in future premium than it returns today.

A good rule of thumb: insurance is built to protect you from the losses that would be hard to absorb on your own. For the small stuff, it's worth doing the math first — and we're always glad to help you think it through before you file.