If a property claim is submitted, is the history of that claim 'attached' to the property or the owner?

We often receive emails asking specific insurance-related questions. Here are some of the most common questions, with a response obtained from a licensed insurance representative.

If a property insurance claim is submitted, is the history of that claim 'attached' to the property or the owner?

The quick answer is "yes" to both situations, since insurance claims are searchable by both the individual and the location.

Premiums are based the claims history of the person requesting coverage, and the history of the property.

The history of the property is important to an insurer if a problem repeatedly occurs at an address. For example, if a specific property has a history of insurance claims as a result of a sewer backup, the insurer may refuse coverage or charge higher premiums until the cause of the sewer backup has been fixed.

If you are looking to get property insurance, complete a home insurance quote online at Kanetix.ca. You'll get home insurance rates quoted from competing insurers.


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* Although accurate at the time of publication, this information is subject to change and Kanetix® is not responsible for any damages caused as a result of the information included in this response. Always speak with your current insurance supplier, or a licensed insurance representative, to answer your specific questions.