If your truck and bike were stolen from your driveway will your rates increase if you file a claim with your homeowner's insurance?

Answer 1

Homeowner's insurance does not cover that type of loss.

AnswerAny time you file a claim with either auto or homeowners insurance, your rates increase. If it costs more to replace the items than the rate increase, then file the claim. Ask your insurance company how much extra you will pay and for how long, do the math and see for yourself.

While homeowner's insurance won't cover your truck if stolen (that's what comprehensive coverage under auto insurance is for), it will cover your bike if stolen from your driveway. But that is subject to your deductible and if it is a typical deductible (like $1000) it won't make any sense to even make the claim.

And when you do file, you now become a higher risk so you have the possibility of getting higher rates but that totally depends on your insurer and your loss history.