About $900 worth of stuff have been stolen from our garage and I would like to file a claim under my homeowners insurance (which covers contents). Do you think that filing a claim for theft would increase my insurance premiums?
Yes, it will - plus, depending on your deductible and the items stolen, you might not get anything at all. most homeowners policies have a $500 or $1000 deductible, so you're looking at a max payout here of $400 - IF you have replacement cost, if none of the items were business related, or car parts.
Depending on which company you are insured thru but honestly it would only be worth filling the claim if your deductible is less then $500
what you could do is call the claims department first make sure that you tell them that it is just a general question sometimes even if you don't file a claim they still noted against you good luck!!
check your deductible it may not be worth it to file a claim if you have a 500-1000 deductible
Would a theft claim increase my homeowners insurance premium?
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I would only have offerred to pay for 50%, which would have been the fair thing to do.
If they would not accept half, then they could have opted to take me to court and take their chances with a judge who would probably say the same thing.
Also, this shold have been covered by the couple's homeowners insurance anyhow, thus only making the neighbor whose child participated in the horseplay pay for the insurance deductable. That's what the homeowners insurance is for...accidents!
I just checked with my Allstate agent and because I am doing commercial work as a writer I can't get defamation insurance on my homeowners policies. This may be the policy of many other insurance companies. And it looks like State Farm is stating the same
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Unless your medical expenses add up to over 7.5 percent of your adjusted gross income, and unless your total deductions are more than the standard deduction, then you don't need to bother with any of those questions.
The amount you paid for medical expenses would be the AMOUNT. YOU. PAID, yes.
Your medical insurance premiums are the amount you pay for your medical insurance. It should be listed on your paystub.
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