Best answer: https://answers.yahoo.com/question/index...
I will start by saying that my background in insurance is liability and never handled homeowner claims. But years ago while working in a mega insurance company would get complaints from policyholders that when their homeowner’s policy renewed, their rates went up, not because they filed a claim, but only because they called the company to (inquire) if the insurance would cover a particular claim or not. I don’t know if other companies do that, so you might have to be careful inquiring on this.
I posted another Y/A question from 9 years ago where a agent had a client who had a $1,400 theft loss, ($400) paid after $1,000 deductible, only to have his policy increase 30% or $300 more.
Now if I had to guess the items stolen could be a computer, phone or electronic devices?
And if so, there could be (dollar) limits they will pay on each, so you might want to take out your policy to see.
Personal Property Extensions of coverage
Another good example concerns special limits on certain types of personal property. For instance, most policies limit their coverage for the theft of furs or jewelry to $500.The limit for firearms or computers is probably $1000. Numerous other items are also typically limited to $500 or $1000 since the homeowners program is designed to fit the coverage needs of the average insured. It is the consumer's responsibility to review the limitations placed on certain types of property. If needed, increase the coverage of one area or another by adding a "Scheduled Personal Property Endorsement" to the basic policy.
Above was copied from another site that could limit is these fall under these catagories.
Casey is the expert here and I believe he has handled homeowner claims or is an agent.