I can't say I worry about insurance claims. I have about 8 policies. Over the last 20 years I have had two minor auto claims, two major home claims, and two minor home claims ( theft and this rack- cident). Even with one giant $50k home claim, the insurance companies have made a profit on me. Plus, with 8 policies, I bundle shop. Raise my rates too much, and then one of your competitors starts to look better. The only insurance policies I fear making a claim on are life and disability.