Homeowners Insurance after 3 claims
Yes, you can still obtain insurance after 3 claims but depending on the nature of those claims you'll probably have to pay a much higher premium than before. You may have to search around before finding an insurer that will accept you.
Weather related claims are generally considered beyond our control so you will typically not be penalized for these claims.
Certain other claims such as plumbing leaks or damage due to overgrown trees and theft however, could indicate a lack of maintenance, poor security measures or a moral hazard on the part of the insured. These types of claims can be counted against you and can effect your premium rate as well as your insurability.
Home Insurance It is harder to buy insurance if you have filed many claims. Claims due to water pipe leaks, fire, theft and vandalism have negative effects on your claim history. Future coverage may be reduced (no more all-risk or replacement cost) and deductibles may be increased. The reason for this is because insurance companies are in the business of rating and charging for risk.
It depends on what the claims are for It does depend on what the claims are for. If they are from leaking pipes, fires, roof leaks, etc... or lack of maintenance related claims, it may become harder to find an insurance company that will take the risk or if they do you will pay for it. On the other hand, if you were lucky enough to live in Florida when the train of hurricanes came through and had damage from 3 different storms it will not be held against you or at least not as much and this is due to it being an "Act of Nature" and nothing that you had any control over. However, many former Florida insurers ceased writing homeowner's insurance in the State because of the hurricanes. Therefore, residents were forced to obtain insurance from other sources. Many flocked to Citizens Property & Casualty Insurance Company. Citizens was never intended to grow as large as it has become (it is now the largest homeowner's insurer in the Florida). It has tried to depopulate by offering incentives to so-called "take-out" companies to offer insurance to policyholders. Some of the take-out companies are solid and some are less so, to the insured muse be careful, as must the agent which, in theory,, may have some liability for placing the insured with a financially weak insurer.
There is no such thing as an average home insurance cost. Every house has it's own risk factors. The cost of home insurance is determined by many factors such as your region, past weather history of your area, the owners credit rating, number of claims you have filed in the past, number of claims filed on the home in the past, etc, etc,
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