Can house insurance raise your deductible without your consent?

Answer 1

Short answer... Yes, if you have had to many claims in a small period of time they can raise your deductible. This is the make you stop making small claims, as there are very little amount of large claims out there the small ones are actually the ones that cost the insurance companies the most. So the deductible is to deter you to make you want to cover this loss yourself. For instance if you have had 3 sewer back ups in 3 years, they may either a) cancel sewer back up on your house all together, b)limit the amount of sewer back up you get to for example $10,000 in total, or c) raise your deductible to say $3000 for sewer back you. The agent and underwriting decide which to pick and it would depend out your area and what types of claims the past ones where.