What do you concentrate on when you find yourself deciding whether or not to make a declare on your property contents insurance coverage? How a lot you will get and whether or not you possibly can declare greater than the surplus might be in regards to the extent of your considering.However there’s something else you might want to take into consideration and it includes a hidden rule that might have an effect on your capacity to acquire insurance coverage cowl sooner or later.Assume: have you ever made another dwelling insurance coverage claims within the final three years?In the event you declare greater than twice in three years, most insurers will contemplate you a excessive threat as a result of your fee of claims is uncommon. Whenever you apply for a quote to a brand new insurer, should you reveal that you’ve made three or extra claims within the final three years, most of them will decline to cite.And when your present renewal comes round you can be horrified on the hike in your premium. If any of your claims have been for small quantities, they could possibly be fully negated by the worth you now need to pay.Suppose your own home was burgled in yr one and also you made a declare. Then in yr two a storm broken your backyard shed, which was additionally coated by your coverage. Though it didn’t value that a lot to restore, you determined to say once more. Then the burglars returned so that you made one other declare.This could possibly be costly in additional methods than one. Do keep in mind this hidden rule and suppose earlier than you make a smaller declare: you by no means know what is likely to be not far away.