Yeah, home policies can be tricky/finicky and some insurance companies, even huge nationwide companies, will sometimes try to drop you on even the smallest claim.
I had an incident about 13 years ago where I was out of town on a shoot and my vehicle got stolen and most of the equipment I was carrying in it. My equipment was all covered by my business policy. The truck was recovered and the auto policy covered the damage(mostly), but my personal contents(jackets, clothes, iPod, etc.) in the truck had to be filed on my home policy(same company for home and auto). It wasn’t a lot, roughly $1K. Well, the insurance company on the auto side was a complete nightmare and as soon as the policy came up for renewal, I took my home and three vehicles to a competing company(still a major national company). About a month after that, I get a letter from the new company stating that my home policy is going to be cancelled because I had made a claim against my previous home policy with the previous company. What?! Are you frickin’ kidding me? I had just made a $40K+ claim(and it was paid) with my business carrier and they didn’t blink an eye, but a huge national insurance company thought it was too risky to give me home insurance because I had made a $1K claim. Eventually they came to their senses and kept the policy instated after I threatened to take the three vehicles somewhere else, but it’s ridiculous that it even came to that.
