Angie Watts is a licensed real estate agent with Florida Executive Realty in the increasingly popular Tampa Bay area. Specializing in residential properties since 2015, Angie is a real estate blogger who published an ebook educating homeowners on how to make the most money when they sell their homes. Her goal is to educate and empower both home buyers and sellers so they can be stress-free duri...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 8, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

If you’ve decided to purchase a home then you may want to research previous home insurance claims to make sure that your insurance policy is going to be reasonable (and affordable) before you buy. While it’s not your fault, insurance companies will run reports on the property to look for previous claims. These claims, no matter how small, could drive up your rates.

This is because your insurance company is looking for markers of risk. Reports that show up on CLUE reports indicate something went wrong. It could be a temporary situation like a broken pipe or something related to the community like a break-in. Insurance premiums also take into account crime rates and other patterns in the community as a whole. For some people, these claims come as a nasty surprise during the home purchase process.

If this seems surprising, it shouldn’t be. After all, when you put a deposit down for your electricity, the electric company looks at the former owner’s (or tenant’s) power usage to estimate your use.

In addition, when you purchase auto insurance, the insurance company runs a VIN check to see how many incidents has occurred with the vehicle to determine whether or not your rates need to be adjusted. While you didn’t get into an accident, a major accident could raise your rate of auto failure that could contribute to future accidents.

When it comes to homeowners insurance, it is relevant to the insurer whether or not the previous homeowner has had three break-ins, flooding in the basement due to a crack in the foundation and so on. This will certainly affect your rates as well. Read on to learn more and then enter your zip above to find and compare many different insurance quotes.

How can you find the insurance history on a house?

Unfortunately, there is no way that you can research previous home insurance claims on a house that you don’t own. If you want to know details like the date of a claim and the type of loss, you would need to ask the previous homeowner.

While there are two national databases that contain loss history reports, they aren’t available to you unless they are about you. These databases are called the Comprehensive Loss Underwriting Exchange (CLUE database) and the Automated Property Loss Underwriting System (A-PLUS). They are similar in some ways to a credit report taking into account historical factors. If you request CLUE reports from your insurance agent, they may be able to give you a copy.

You may be wondering what these databases are for if not for public use. They are for insurance companies. They are the ones that can request a list of claims on a house. This doesn’t mean, however, that you can go and ask your agent to run a list of claims on a house you are interested in buying. That is against the law. Only the actual homeowner can make that request.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Where does that leave you?

If you are interested in purchasing a home, you can tell the homeowner that you want to see a previous claims list before you buy. They can request the list from their insurance agent (there may be a small fee) and then provide it to you.

You should make it clear that you won’t purchase the home without seeing the list; if the homeowner won’t provide it, then you might want to reconsider the purchase, they may have something to hide.

If a homeowner has had too many claims on their home and you come along and purchase it without requesting a previous claims report, you may find that the home you are buying is uninsurable. Too many claims on a home, especially if there is a lot of theft or things like flooding, makes the home high-risk and insurance companies want to avoid risk. It is very important that you know what you are getting, in this respect, before you buy.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Full Disclosure from the Homeowner May Not be Enough

Many people assume that the homeowner is going to tell them about every possible problem that has ever occurred with the house since it is the law; and they should. The problem is, they might not even know what is on their claims report. In most states it is common practice for an insurance company to open a claim for any inquiry from a homeowner, even if they are simply calling to see if something is worth putting a claim in for.

An example of this might be an overflowing toilet. The toilet overflows in the upstairs bathroom and the homeowner notices water dripping from the ceiling downstairs. He fixes the toilet and then calls the insurance company to see if he needs to take any other steps. A claim is opened, even if no action is taken (the claim is marked as no money having been paid, but it is still considered a claim). The homeowner makes the necessary repairs out of pocket because it will only cost $200 and his deductable is $500. Should he mention this to you? Most won’t because it is a minor common problem that is easily forgotten. In the meantime, the insurance company has marked it as a claim, a legal practice in every state.

Imagine that during the same year a flash flood comes through and the homeowner files a real claim for losses to his home (repairs, replacement of furniture and so on). Suddenly, the homeowner has more than one claim on his record. His rates go up, but he assumes it’s because he made this rather large claim due to the flash flood and doesn’t question the increase. You come along and buy the house and the insurance company considers both of those claims when determining your insurance premium.

Your Past Claims Count Too

Something else that you need to understand is that your past claims are going to make a difference on the cost of your policy as well, even if your claims were due to living in a high crime area where you were robbed. All the insurance company is going to see is that you made a claim and that it cost the company money.

Before you move, you need to request your own claims history report. You want to ensure that the report is accurate. In addition, some insurance companies will make adjustments for extenuating circumstances (such as living in a high crime area and then moving to a safer area) if you take the time to make an appeal regarding your rates. While you may not get a change to your premiums if you request an appeal, if you don’t try, then you defiantly won’t get the reduction that you want.

There are time limits to how long a past claim will affect your rates. While these time limits can vary from company to company, most will not consider any claims that are more than five years old when determining your premiums. This is good news for two reasons. First of all, if the previous claims are more than five years old, they won’t affect your rates. Secondly, even if they are less than five years old, they won’t affect your rates for ever, eventually you will see a decrease in your premiums as long as you aren’t making additional claims in the meantime.

Compare Insurance Providers Rates to Save Up to 75%

secured lock Secured with SHA-256 Encryption

Find the Cheapest Home Insurance Rates

Once you have ensured that the house you want to buy doesn’t have dozens of claims on it and is worth buying, it is time for you to consider your own homeowners insurance.

Like anyone, you probably want to get the best rate possible to keep your insurance costs down. Ask for discounts and compare rates among different home insurers before making a choice.

Use our free online rate quote tool that lets you compare many options in order to get a great rate and the insurance coverage you need for your new home. Enter your zip to start now!