Fire Claim:

Average price increase: $273

Average % increase: 20%

2 Fire Claims:

Average price increase: $577

Average % increase: 44%

(Photo: AP Photo/Noah Berger)

Liability Claim:

Average price increase: $260

Average % increase: 19%

2 Liability Claims:

Average price increase: $521

Average % increase: 39%

(Photo: iStock)

Theft Claim:

Average price increase: $253

Average % increase: 19%

2 Theft Claims:

Average price increase: $502

Average % increase: 38%

Water Claim:

Average price increase: $228

Average % increase: 16%

2 Water Claims:

Average price increase: $433

Average % increase: 33%

Weather Claim:

Average price increase: $107

Average % increase: 8%

2 Weather Claims:

Average price increase: $194

Average % increase: 16%

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Medical Claim:

Average price increase: $76

Average % increase: 6%

2 Medical Claims:

Average price increase: $146

Average % increase: 13%

Insurance rates are based on risk, but there some factors that affect a policyholder’s insurance more than others, like filing claims or, especially, multiple claims.

In fact, filing claims will raise rates more than any other factor besides poor credit.

To help insureds better understand what determines home insurance rates and what could put customers at risk of rate increases, the editors at Insurance.com detailed how much certain claims raise rates.

The slideshow reveals which kinds of claims will raise homeowners insurance rates the most.

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