Dropped by insurance due to too many comprehensive claims?

[AUGM1]

As I've posted before, I've had terrible luck with my 2021 Signature starting about April of last year.
All have been comprehensive claims due to acts of nature.
If I can't fix my rat damaged wires myself or for a few hundred, I may have to file a comprehensive claim again.
This would be the 3rd time this year.
Am I likely to be dropped even after being with Farm Bureau for over 20 years?

 

[Conrad 16.5]

It would probably be better to ask your insurance agent instead of us. What do we know about your situation?

 

[jadmt]

my buddy is a Farm Bureau agent and he said they most likely would not drop someone but may raise their deductible and rate if they have too many claims.

 

[CoxHazards]

I was dropped from Geico after 1 at fault and 1 no-fault within 3 years. Things are rough, my insurance doubled to $1600/6 months.

 

[RedBaron]

I was dropped from Geico after 1 at fault and 1 no-fault within 3 years. Things are rough, my insurance doubled to $1600/6 months.

Geico always used to be notorious for this - and poor/difficult payouts. That's why I'll never go with them.

 

[Beelzebubba]

One or even two comp claims usually won't cause an issue or even a signficant rate hike with most preferred risk companies (such as Farm Bureau). But three or more in a three year period will very likely cause a rate increase and could trigger a non-renewal.

As with homeowners insurance, if you can afford to fix it yourself, don't file a claim. Even "not at fault" claims can have adverse effects. This is especially true if you needed to change insurers. Farm Bureau might overlook 2-3 comp claims, but most others wouldn't.

FWIW, I was a P&C Insuance Agent for 10 years.