How long do home insurance claims stay on record?

There is a lot of misinformation available on this subject, your claims history follows you around for quite a while, we have seen reports up to 10 years, however, most companies only apply the past 5-7 years (some as low as 3 years) claims history to the insurance risk scoring model when determining your home insurance rates.

Various factors go into insurance scoring models, including the number of homeowner claims you file, and the number of claims on your record can make you more of an insurance risk.  The trend is looking back at a longer period of time and also across products, like your auto insurance claims history to get a better picture of the total risk.