NLIC.org

Jeanne Said:

If you report a claim for homeowners insurance do your rates go up (like car insurance)?

We Answered:

I would consult your agent before filing a claim. Call him/her and give them a "what if" scenario you are having and make sure they understand you are not filing a claim. Your agent should be able to give you a good answer and he/she should even visit with Underwriting to give you a more solid answer.
The quality of insurance company (i.e. USAA/State Farm vs Allstate) will depend on if your rates go up as well.
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Get an estimate for repairs before filing a claim too. Call out a reputable general contractor that will provide a FREE estimate to you and would battle the insurance company for you too. If the repairs are not going to be that costly, then it does not make sense to file a claim if you have a high deductible. Do not tell the agent/adjuster that the problem was "maybe" going on before you bought the home. Otherwise it may be denied right away.
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Lots if information...hope it helps. Email me if I can help. Good luck.

Michelle Said:

How are car insurance rates for married people?

We Answered:

When I got married I think I got a 20% discount.

Deborah Said:

Car insurance rates for men vs. women?

We Answered:

I thought it was higher for men, everywhere, with every insurance company. Your question is the first time that I have heard of it not being higher for men, anywhere, with any insurance company.

Yes, there are car insurance insurance companies that charge higher premiums for men, and the locations in which they are higher are nearly all locations in the U.S., except, apparently, Michigan.